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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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Why Do You Need Umbrella Insurance?

Umbrella insurance is used to give you extra protection. It goes above and beyond your typical insurance, whether it is your home, auto, or business insurance. 

So, why would you need the extra coverage? Atrium Insurance Group in Centennial, CO provides this guide on navigating the extra protection you may need for your home, business, or vehicle. 

Here are some reasons why you need umbrella insurance:

You own some expensive collections

This may be a piece of jewelry that is worth a lot of money, though it can also be expensive art or something else that would be quite expensive to replace. 

You own a trampoline or swimming pool, which could lead to serious injuries

You are going to want extra liability to help you cover any injuries that may occur with them. 

You may even want some extra coverage if you have a dog

If your dog bites or hurts someone, you could be held liable, so you may want to look into getting extra coverage. 

If you are active and do some sports that are considered dangerous, you may want to consider extra coverage

Many people whose hobbies can cause them injury or death should consider getting umbrella insurance.

Contact Us Today

Your insurance policy is likely to have a maximum that they will pay. If you have a piece of jewelry (or multiple pieces), you are going to need extra coverage in order to replace them. You also should consider extra liability insurance if someone could get hurt on your property, whether that is from playing on the trampoline or playing with the dog. It can also help if you are involved in dangerous sports. You don’t want to leave your family high and dry if something happens to you! 

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Atrium Insurance Group in Centennial, CO. 

4 Advantages of Umbrella Insurance

Everybody knows how crucial it is to have liability insurance in place in case of an unfortunate event. And that’s why most people have liability coverage in their auto, business, home, or boat insurance. However, the maximum liability coverage offered by these policies may not be enough to cover costly lawsuits or specific injuries. In light of this, you need to invest in umbrella insurance.

Umbrella insurance is that additional liability policy that kicks in when your other coverages get exhausted. Purchasing umbrella insurance from Atrium Insurance Group in Centennial, CO comes with a host of benefits, including.

Asset protection

The main aim of purchasing umbrella insurance is to protect your assets in major calamities like lawsuits. The more assets you possess, the more you need umbrella insurance. Not only do businesses get sued for thousands of dollars, but individuals too are vulnerable to lawsuits. Luckily, with umbrella insurance, your assets are safe. 

Provides additional coverage

Like mentioned, umbrella insurance comes in handy when other insurance coverages get depleted. Additionally, it covers occurrences that your other liability policies don’t have, such as libel, slander, wrongful arrest, and defamation.

It gives peace of mind

Like any other insurance coverage, umbrella insurance instills that peace of mind from the additional security it offers. With umbrella insurance, you don’t have to live on the edge wondering if your assets are safe.

It’s affordable

The fact that umbrella insurance kicks in when other policies get depleted makes it significantly affordable. For example, for $1M liability coverage, it will cost you a fraction of the price you pay for your home or auto insurance coverage.

Umbrella insurance in Centennial, CO

Don’t wait until your assets are at risk. Secure them today! All you have to do is buy umbrella insurance from Atrium Insurance Group.  If you are in Centennial, CO, and its surroundings, please contact us today for an affordable quote.

How Can Atrium Insurance Protect you with Umbrella Coverage

Ensuring that you and your family have the protection you need in the event of a calamity in the greater Centennial, CO area means discussing your entire insurance portfolio with an Atrium Insurance Group agent to see if an umbrella insurance policy is the right protection for you and your family.  Many people believe that a combination of their homeowner and auto insurance policies will protect them in the event of a disaster. Still, most insurance policies come with limits, and an umbrella insurance policy is designed to cover any lapse in coverage from your other policies.

How Can Umbrella Insurance Coverage Protect you in Centennial, CO?

When it comes to insurance policies and liability limitations, it is easy to assume that your existing home and automobile insurance will cover you in the event of a problem. Should your bills outstrip the coverage afforded solely by these two policy types however, you will be held personally liable for any cost beyond your coverage.

This is where umbrella insurance coverage comes into play.

An umbrella policy offers added protection when other policies exceed your base limits, but bills keep coming in after the insurer stops paying on your home or auto policy. Additionally, umbrella coverage can be used to cover unexpected, ancillary cost such as alternative housing, meals, and other expenses that would not have been incurred had an accident or disaster leave you unable to live in your current dwelling.

Contact Atrium Insurance Today to Discuss an Umbrella Policy

If you have questions about the amount of insurance you need to protect you and your family from uncovered liability owing to unexpected catastrophes, you need to reach out to our friendly, and knowledgeable team of agents here at Atrium Insurance Group. Let’s look to see whether an umbrella insurance policy will provide you with the level of protective coverage you need here in Centennial, CO.

Does Umbrella Insurance Cover Personal Property in Centennial?

Umbrella insurance in Centennial, CO might sound as though it will cover everything. When you think of it, you might picture a great big tarp that goes over nearly everything in your life. When something goes wrong, you just call your umbrella insurance carrier to make it right again. But the reality of this policy is a little different than you might be thinking. Atrium Insurance Group wants you to know if it will cover your personal property. 

Umbrella Insurance Is Meant for Liability 

When you first sign up for insurance, you’re usually met with policy limits. These limits are something that you may or may not spend a lot of time considering, though, simply because it’s not easy to go through every detail of your contract. 

The limits that are most often contested are those of liability. When lawsuits can drag on for months and cause unknown havoc in people’s lives, the goal of umbrella insurance is to extend your coverage limits in case you need to. 

Knowing the Rules

Umbrella insurance doesn’t directly cover personal property, but it can give you the resources you need to keep what you have. Instead of having to choose between dropping a liability case or selling your things, you can use umbrella insurance as a way to keep you protected. 

Atrium Insurance Group knows that umbrella insurance isn’t necessary for everyone in Centennial, CO. Typically, it’s been popular amongst high-profile people in a community, those who would be more likely to be accused of wrong-doing. If you have questions about whether this policy is right for you or not, give us a call today to discuss our plans or to ask more questions about how it’s applied to the policy holder’s situation. 

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