The top-rated umbrella insurance agent in Windsor, Colorado is Farmers Insurance - Gabriel Garcia-Hitt, rated 5.0 stars across 156 reviews. Other highly rated options include Scott Harper - State Farm Insurance Agent, Heidi Washburn - State Farm Insurance Agent, Farmers Insurance - Tammy Woods. This directory lists 14 umbrella insurance agents serving Windsor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Gabriel Garcia-Hitt | 671 Academy Ct UNIT A | (970) 686-6839 |
| 2 | Scott Harper - State Farm Insurance Agent | 819 Main St | (970) 674-0937 |
| 3 | Heidi Washburn - State Farm Insurance Agent | 519 Main St | (970) 833-5304 |
| 4 | Farmers Insurance - Tammy Woods | 208 Main St | (970) 686-6555 |
| 5 | Squires Insurance Solutions | 421 Main St B | (970) 686-7778 |
| 6 | LSI Insurance Agency, Inc. | 401 Pointe Plz Dr Suite B | (970) 674-1151 |
| 7 | Brian Binder Agency Inc American Family Insurance | 400 Main St B | (970) 674-3223 |
| 8 | Best Insurance Group, LLC | 701 Main St | (970) 674-5000 |
| 9 | Renaissance Insurance Group | 1349 Water Valley Pkwy | (970) 674-8825 |
| 10 | Prosper Insurance LLC | 1345-1425 Water Valley Pkwy Pk | (970) 369-9114 |
Farmers Insurance - Gabriel Garcia-Hitt serves Weld County and the surrounding areas of northern Colorado, offering umbrella insurance agent services to local residents and businesses. This coverage provides an extra layer of liability protection beyond standard home and auto policies, helping shield assets from major claims or lawsuits. The agent works with clients to assess their personal risk exposure and adjust policy limits accordingly. Specific services handled include high-limit personal umbrella policies for homeowners and excess liability coverage for those with multiple vehicles.
Scott Harper - State Farm Insurance Agent in Windsor, CO, provides umbrella insurance coverage that extends liability protection beyond standard home and auto policies. The agency assists clients in assessing risk and customizing supplemental liability limits to safeguard future earnings and assets. Annual policy reviews help ensure that coverage adapts to changing lifestyles or property acquisitions. The agent serves a variety of residential and commercial properties, including single-family homes, apartments, retail establishments, and restaurants, offering a broad safety net for both personal and business exposures.
Heidi Washburn’s agency in Windsor, CO, serves homeowners, businesses, and property managers seeking umbrella insurance coverage for added liability protection beyond standard policies. The firm helps clients assess their risk exposure and secure policies that provide broader financial safeguards. This service is particularly valuable to those with rental properties or high-value assets. Additional support includes personalizing coverage limits to match individual needs and local real estate conditions. The agency also offers its suite of umbrella insurance services to clients throughout western Weld County and the greater Timnath area.
Serving Windsor, Colorado, and the surrounding communities, Farmers Insurance - Tammy Woods handles all aspects of umbrella insurance coverage. The agency works with clients to provide an extra layer of personal liability protection that extends beyond standard home and auto policies. It addresses a wide range of potential claims in the area. To manage a typical job, the agent carefully reviews each client’s existing policies and assets before customizing an appropriate additional coverage limit.
When spring storms threaten Windsor’s foothills with unpredictable hail and wind damage, many local homeowners seek extra liability protection. Squires Insurance Solutions provides umbrella insurance agent services that extend coverage beyond standard auto and home policies, helping families secure an added safety net for unexpected incidents on their property. The agency reviews existing policies to identify potential gaps before recommending appropriate umbrella limits. They begin by scheduling a thorough consultation to examine a client’s current risk exposures and coverage needs.
LSI Insurance Agency, Inc. in Windsor, CO, primarily serves clients on a one-time basis for purchasing an umbrella policy, though some may opt for scheduled renewals. This type of policy provides additional liability coverage above standard auto and homeowners limits. Filling that gap helps protect assets from major claims or lawsuits. The process is typically straightforward, requiring an existing underlying policy. Service for each client is provided on an as-needed basis, with the agency handling the initial purchase and standing ready for future inquiries or potential claims.
Brian Binder Agency Inc American Family Insurance provides specialized umbrella insurance services for clients in Windsor, CO. It helps individuals and families obtain extra liability coverage that extends beyond standard homeowners or auto policies. The agency offers general insurance guidance to protect personal assets and future income. Seasonal risks from holiday gatherings or summer pool parties often prompt local residents to consult the agency about raising their liability limits against unforeseen accidents.
Best Insurance Group, LLC serves clients in Windsor, Colorado, by providing comprehensive personal and commercial coverage. The company specializes in umbrella insurance, offering additional liability protection that extends beyond the limits of standard home and auto policies. This extra layer of coverage helps safeguard policyholders against major claims and lawsuits. The firm assists a variety of commercial sectors, including offices, warehouses, and food service operations.
As northern Colorado's unpredictable spring hailstorms give way to summer fire risk, Windsor homeowners often realize their standard liability coverage may leave them exposed. Renaissance Insurance Group serves as an umbrella insurance agent, helping local clients extend their personal liability protection beyond primary policy limits. Whether a dog incident or a slip on an icy sidewalk threatens a family's assets, this agency identifies coverage gaps before a claim arises. An initial assessment of existing policies and property risks is conducted during a no-obligation consultation to determine appropriate additional layers of security.
Prosper Insurance LLC provides residential umbrella insurance coverage in Windsor, Colorado. Commercial policies are also available, protecting businesses in the local area and surrounding communities. As an umbrella insurance agent, the company helps clients obtain additional liability protection beyond standard home or auto policies. This added coverage can assist when higher claims arise from accidents or property incidents. Follow-up service ensures that each policy remains tailored to current needs between regular visits, allowing adjustments as personal or commercial circumstances change.
What Does an a Umbrella Insurance Agent in Windsor Cost?
Umbrella insurance in Colorado typically costs between 150 and 300 dollars per year for 1 million dollars of coverage. Each additional million may cost 50 to 100 dollars more. Costs vary based on your risk profile number of vehicles and property value. This is general information and not insurance advice.
About umbrella insurance agents in Windsor
Umbrella insurance agents in Windsor Colorado help you secure extra liability coverage that goes beyond your auto or homeowners policy. Colorado law does not require umbrella insurance but it can protect your savings and future earnings from large lawsuits. Local agents understand the unique risks of living in northern Colorado including severe weather and recreational activities.
Frequently Asked Questions
What does an umbrella insurance agent in Windsor do?
An umbrella insurance agent helps you assess your liability risks and find a policy that provides additional coverage above your existing home and auto limits. They explain how umbrella insurance works with your current policies and help you choose the right amount of coverage.
How much umbrella insurance do I need in Colorado?
Most agents recommend at least 1 million dollars in umbrella coverage but your needs depend on your assets and lifestyle. Colorado courts can award large judgments in personal injury cases so higher limits may be wise if you own a home or have significant savings.
Can I bundle umbrella insurance with other policies in Windsor?
Yes many agents in Windsor offer umbrella insurance as a separate policy that requires underlying coverage from the same carrier. Bundling with your auto or homeowners policy can simplify billing and may reduce your overall premium.
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