a million dollars of calm.
An umbrella policy adds $1M+ of liability on top of your auto and home limits — for roughly a dollar a day. It's the policy that protects your savings, your equity and your future wages from one bad afternoon.
10+ carriers compared
umbrella insurance, done right.
sits on top of everything
Auto accident, dog bite, teenager's fender-bender, a guest's lawsuit — once underlying limits exhaust, the umbrella opens.
worldwide personal liability
Coverage that follows you, not just your driveway.
defense costs
Lawyers are covered too — often outside the limit.
good to know, colorado edition.
Umbrella pricing is almost irrationally cheap because serious claims are rare — but when they happen, they're house-sized. Anyone with home equity, savings, a teen driver, a dog or a diving board should price one. It takes one phone call.
price it for me →
asked constantly.
How much does umbrella insurance cost?
Most Colorado households pay roughly $150–$400 a year for $1M. Each additional million costs less than the first.
Do I qualify?
Carriers require minimum underlying limits on your auto/home policies — often 250/500 auto. If you're below them, we'll price the bundle; the total is usually smaller than people expect.
Does it cover my rental property / boat / ATV?
It can — listing the right underlying policies is the whole game. This is why your umbrella should live where your other policies live.
two minutes to real numbers.
Free umbrella insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.