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Browse umbrella insurance agents serving Highlands Ranch, Colorado. Contact information and addresses listed below.
12 agents listed
Updated May 2026
Highlands Ranch, CO
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Colorado before hiring.
Showing 12 umbrella insurance agents in Highlands Ranch, CO
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Danny Barrera - State Farm Insurance Agent
6660 Timberline Rd Ste 150, Highlands Ranch, CO 80130
(303) 234-0473
dannyb303.com
MountainStorm Insurance Agency
1745 Shea Center Dr #400, Highlands Ranch, CO 80129
(720) 344-3536
mountainstorminsurance.com
Custom Insurance Solutions
1745 Shea Center Dr 4th Floor, Highlands Ranch, CO 80129
(303) 997-2436
custominsurancesolution.com
Farmers Insurance - Julia Bryant
549 W Highlands Ranch Pkwy #106, Highlands Ranch, CO 80129
(303) 421-4550
agents.farmers.com
TPG Insurance
1745 Shea Center Dr, Highlands Ranch, CO 80129
(720) 607-0007
insuretpg.com
Ricia Rosendahl American Family Insurance
7120 E County Line Rd #201, Highlands Ranch, CO 80126
(303) 222-7172
amfam.com
Randy E Johnson Ins Agcy Inc
8925 Ridgeline Blvd STE 101, Highlands Ranch, CO 80129
(303) 791-8883
randyejohnson.com
Fast Pro Insurance Company
9051 SSG Chris Falkel Dr, Highlands Ranch, CO 80129
(720) 773-8124
Scott Gallagher American Family Insurance
66 Springer Dr # 309, Highlands Ranch, CO 80129
(303) 471-9626
amfam.com
Insurance Service CO
9557 S University Blvd, Highlands Ranch, CO 80126
(719) 304-8360
Sentry Scape Insurance Co.
3624 E Highlands Ranch Pkwy, Highlands Ranch, CO 80126
(720) 753-5679
Benchmark Insurance Agency, LLC
66 Springer Dr # 215, Highlands Ranch, CO 80129
(303) 730-2852
benchmarkinsuranceagency.com
An umbrella insurance agent in Highlands Ranch Colorado helps you secure extra liability coverage beyond your auto and homeowners policies. Colorado law does not require umbrella insurance but it can protect your assets from large lawsuits common in this growing Denver suburb. A local agent understands the specific risks of Highlands Ranch including high property values and active outdoor lifestyles.
What Does a Umbrella Insurance Agent in Highlands Ranch Cost?
Umbrella insurance in Colorado typically costs between 150 and 300 dollars per year for 1 million dollars in coverage. Higher coverage amounts like 2 million dollars may cost 250 to 500 dollars annually. Your actual premium depends on factors such as your driving record number of properties and previous claims history. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Highlands Ranch do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your standard insurance limits. In Colorado this policy can protect against incidents like dog bites or slip and fall accidents on your property. The agent assesses your risk profile and recommends appropriate coverage amounts.
How much umbrella insurance do I need in Highlands Ranch?
Most agents recommend at least 1 million dollars in umbrella coverage for Colorado homeowners. Highlands Ranch homes often have high equity and recreational assets like boats or ATVs that increase liability risk. Your agent can calculate the right amount based on your net worth and daily activities.
Are there Colorado laws that affect umbrella insurance policies?
Colorado follows a comparative negligence rule which can impact how liability claims are paid. The state also has specific time limits for filing personal injury lawsuits typically two years from the date of injury. An umbrella policy can cover legal defense costs and settlements that exceed your primary insurance limits.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Colorado.