Making Insurance Easy
Umbrella Insurance
Located in Brighton Colorado but servicing all of the Front Range
Protecting Your Future with Extra Coverage
Life is unpredictable, and sometimes standard insurance policies don’t provide enough coverage in the event of a major claim. That’s where personal umbrella insurance comes in. If you face a lawsuit or a significant liability claim, an umbrella policy provides additional protection beyond the limits of your home, auto, or other primary insurance policies.
Why Do You Need an Umbrella Policy?
Even the most cautious individuals can find themselves in unexpected situations that lead to expensive legal battles. Without sufficient coverage, you could be responsible for out-of-pocket expenses that could impact your financial stability. A personal umbrella insurance policy helps cover:
- Lawsuits and legal fees
- Medical expenses beyond your auto or homeowners policy limits
- Property damage liability
- Incidents involving rental properties
- Defamation, libel, or slander claims
Affordable Protection for Peace of Mind
Many people assume umbrella insurance is expensive, but it’s actually one of the most cost-effective ways to protect your assets. For just a few dollars a month, you can extend your liability coverage by $1 million or more.
Who Should Consider Umbrella Insurance?
- Homeowners, landlords, and renters
- Drivers with significant assets to protect
- Boaters, ATV riders, and recreational vehicle owners
- Individuals with high public visibility or risk of lawsuits
- Families who entertain guests frequently
Hessling Insurance
The Difference
We Care
Our focus is excellent customer service, it is very important to us. Unlike some agencies we answer the phone. If for some reason we are on the phone with another client, we will call you back as soon as possible. * We understand your time is valuable.
Extra Mile
We have taken our own time to research different things for customers to help them out, ie, I spent 1.5 hours researching to find a non-profit that would help one of our customers get a new roof because her roof was old and the insurance company would not replace it because it did not have hail damage. She needed a new roof but was not able to purchase one because she was single and on a limited budget.
New Car
If you are shopping for a new car and have the Vin number, we are happy to provide you with a quote for the possible new car. For our current customers if they go to a dealership after hours and make arrangements with us prior to going to the dealership we will give them a quote for the new car they are looking to purchase. We do not want our customers to have sticker shock after the purchase of a new car. Some cars can have very high insurance costs and we maybe able to help you make a more informed decision about the purchase.
FAQ
How much does umbrella insurance cost?
Umbrella policies are typically far less expensive than people expect for the amount of extra liability protection they add, often just a few hundred dollars a year for $1 million in coverage. The exact price depends on how much umbrella coverage you choose and what your underlying auto and homeowners limits look like.
What does umbrella insurance cover that my other policies don't?
It kicks in once the liability limits on your auto or homeowners policy are used up — for example, after a serious at-fault accident or an injury on your property that results in a large lawsuit. It also covers some situations, like libel or slander claims, that your other policies typically exclude.
Who actually needs umbrella insurance?
It's worth considering if you own your home, have savings or other assets worth protecting, host guests regularly, drive often, or just want extra peace of mind for a low annual cost. We can review your current coverage honestly and tell you whether it makes sense for your situation — not every client needs it.
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