Learn how umbrella insurance protects your savings, home, and assets when standard policies fall short.
When Insurance Isn’t Enough: What Umbrella Insurance Really Protects
You’re in a serious accident. Medical bills and legal fees climb fast—way past what your auto insurance covers. Suddenly, your savings, your house, even your retirement could be at risk.
That’s the moment most people realize their coverage wasn’t enough.
If you’re not sure whether your current insurance would protect you from financial ruin, it’s time to understand what umbrella insurance is—and why it matters.
The Backyard BBQ That Turned Into a $1 Million Lawsuit
This isn’t rare.
One family thought their standard homeowner’s policy had them covered. Then a guest tripped at a backyard party and sued them for $1 million. Their insurance only covered $500,000.
They were left scrambling to figure out how to pay the rest.
If they had umbrella insurance, it would have covered that remaining $500,000—protecting their financial future and avoiding months of stress and risk.
Umbrella insurance isn’t just for the wealthy. It’s for anyone who wants to protect what they’ve worked so hard to build.
3 Key Reasons You Might Need Umbrella Insurance
Let’s break it down:
1. It covers what your other policies don’t.
Umbrella insurance kicks in when your home, auto, or other liability policies reach their limits. It covers:
- Large lawsuits
- Personal injuries
- Property damage
- Libel, slander, or other unexpected claims
2. It protects anyone with income, assets, or savings.
If you own a home, have a retirement fund, or earn a steady paycheck, you’re at risk. A major accident could target any of those.
3. It’s more affordable than most people think.
You can get $1–5 million in coverage for less than a dollar a day. That’s serious protection at a fraction of the cost of a single legal bill.
Why Most People in Colorado and Wyoming Are Underprotected
Standard insurance policies often max out at $100,000 to $300,000. That may not cover the full cost of a major car crash, a serious injury on your property, or a legal judgment.
And the difference? That’s coming out of your pocket unless you have an umbrella policy in place.
How Summit Insurance Helps You Get Covered With Confidence
We don’t sell one-size-fits-all policies. We help people in Colorado and Wyoming build real protection around the life they’ve worked hard to create.
When you request a quote, here’s what we do:
- Review your current policies for liability gaps
- Help you decide if umbrella insurance makes sense for your situation
- Show you exactly how much extra protection you can get—and what it would cost
No fluff. No scare tactics. Just the confidence that your family, your assets, and your lifestyle are protected.
One Accident Could Cost You Everything—Or Nothing
If your coverage stops short, a single claim can wipe out your savings or force you into debt.
But with umbrella insurance, you’re backed by an extra layer that protects what matters most.
Request a quote from Summit Insurance Agency today.
Let’s make sure your coverage holds up when life doesn’t go as planned.