Umbrella Insurance
In today's world, unforeseen events can lead to significant financial liabilities that exceed the coverage limits of your standard insurance policies. At Advantage Insurance, we offer umbrella insurance to provide an extra layer of protection, ensuring your assets and future are secure. Serving Loveland, CO, and Northern Colorado since 1981, we are committed to helping you find the right coverage tailored to your unique needs.
Umbrella insurance acts as a secondary form of liability coverage, stepping in when the limits of your primary policies—such as homeowners, auto, or watercraft insurance—are exhausted. This additional coverage is an affordable way to protect your financial future or established assets from substantial claims or lawsuits. It's important to note that umbrella insurance requires an underlying liability policy to first pay out on a claim before the umbrella coverage becomes effective.
Coverage Options
Bodily Injury Liability
Provides additional coverage if you're held responsible for injuries to others, such as in a serious auto accident, ensuring medical expenses and potential legal fees are covered.
Property Damage Liability Insurance
Extends your coverage for damages you cause to someone else's property, offering financial protection beyond the limits of your primary insurance policies.
Personal Liability Protection
Covers legal fees and damages if you're sued for incidents like defamation, libel, or slander, safeguarding your personal assets from costly legal battles.
Landlord Liability
Offers extra liability coverage for property owners renting out their homes, protecting against claims arising from tenant injuries or property damage.
Legal Defense Costs
Pays for legal expenses incurred in your defense, even if you're not found liable, ensuring that legal fees don't deplete your savings.
