Umbrella insurance is an option that homeowners in Centennial, CO, often take advantage of. An umbrella policy adds coverage to your existing renters and auto policies in case the limits of those polices are reached. The question is, can a renter purchase umbrella insurance? The answer is yes. At Atrium Insurance Group, we’re here to help renters who are considering getting an umbrella insurance policy.

How Umbrella Insurance Works for Renters

An umbrella policy is an extra layer of liability coverage when needed. It is a supplemental layer of protection. It does not replace your renters insurance.

To purchase umbrella insurance, you need to already have renters insurance in place. The renters policy and auto policy, combined, must meet the minimum liability coverage requirements necessary before you can purchase umbrella insurance.

An umbrella insurance policy is an inexpensive option that you can rely on when your other policies are maxed out.

What Umbrella Insurance Provides to Renters

Once you have an umbrella policy, you can rest easy knowing that if the limits of your auto and renters policies are reached, you can tap into your umbrella policy.

An umbrella can help maintain your financial security by providing liability protection. For example, if a lawsuit is filed against you due to an injury or accident where you are held liable, your umbrella policy may cover:

Bodily injury
Property damage
Personal injury
Libel
Slander
Legal fees
Court costs

An umbrella policy does not cover your personal belongings or injuries.

Contact Us

If you have questions or would like a quote for an umbrella insurance policy, call us. Our agents at Atrium Insurance Group are ready to help Centennial, CO, renters get the coverage they need for peace of mind.