When Regular Coverage Isn't Enough: Umbrella Insurance That Goes Further
Get comprehensive protection beyond your standard insurance with coverage that safeguards all your assets under one policy.
Because Your Standard Coverage May Not Be Enough
Umbrella insurance acts as your financial safety net, providing extra protection beyond your standard insurance policies. In today's world, where a single incident could put your assets at risk, having comprehensive coverage is essential. This additional layer of protection helps safeguard your home, vehicles, business, and future earnings against major claims and lawsuits that could exceed your primary insurance limits. At FOCO Insurance, we understand the importance of protecting everything you've worked hard to build.
What you should know
• How umbrella insurance fills gaps in your existing coverage• Ways to protect your assets from unexpected legal claims• How to determine the right amount of coverage for your situation• Cost-effective strategies for comprehensive protection
Ways To Save
• Bundle your policies for maximum discounts• Maintain good credit and claims history• Install security systems and safety features• Increase your base policy deductibles• Review and update coverage annually to ensure optimal protection
Prepare for your quote
• Current insurance policies (auto, home, etc.)• Asset inventory and values• Vehicle information and driver details• Property locations and details• Business information (if applicable)• Recent claims history• Personal information for all covered individuals
Why We Stand Out
• 30+ years of trusted service in Fort Collins• Access to multiple carriers for competitive rates• Personalized guidance from experienced local agents• Comprehensive policy reviews and ongoing support
Understanding Your Home Insurance Options
FAQs
Umbrella provides broader coverage across multiple policies and can cover some claims not included in underlying policies, while excess liability only extends existing coverage limits.
Personal umbrella insurance provides additional liability coverage beyond the limits of your primary home, auto, or other personal insurance policies to protect your assets.
Coverage includes personal injury, property damage, libel/slander, false arrest, and liability from serving on nonprofit boards.
It's relatively inexpensive, often $150-300 annually for $1 million coverage, with each additional million costing less.
A general rule is to have coverage equal to or greater than your total assets, including future income potential. Most policies start at $1 million.
Typically requires minimum liability limits on underlying policies (often $250,000/$500,000 for auto and $300,000 for home) and good insurance history.
No, umbrella policies exclude intentional or criminal acts, business activities, and contractual liabilities.
It activates when underlying policy limits are exhausted or for certain claims not covered by primary policies but covered by the umbrella.
Yes, if listed on underlying auto policy, but may affect premium and required underlying limits.
Coverage varies by insurer; international properties may require special endorsements or separate policies.
Experience the Difference
Ready to experience the difference of working with a trusted insurance partner? Book your appointment online or call us today for a personalized quote and expert advice.