Umbrella & Excess

Protect your assets and financial future with umbrella and excess liability insurance from Main Street Insurance - Patrick Murakami Agency. Serving Colorado Springs, Fort Carson, and the Pikes Peak region, we provide extra liability coverage that goes beyond your standard auto, home, and business insurance policies to protect you from major claims and lawsuits in El Paso County.

What is Umbrella & Excess Liability Insurance?

Umbrella and excess liability insurance provides additional liability coverage above and beyond the limits of your existing policies. When a serious accident or lawsuit exceeds your standard policy limits, umbrella insurance kicks in to protect your Colorado Springs home, savings, investments, and future earnings from devastating financial loss in the Pikes Peak region.

Coverage Includes:

• Additional liability coverage above auto insurance limits

• Extra protection beyond homeowners liability limits

• Coverage for rental properties and landlord liability

• Protection against defamation and slander lawsuits

• False arrest and wrongful eviction claims

• Liability from recreational vehicles and watercraft

• Dog bite and animal liability incidents

• Coverage for legal defense costs and attorney fees

Who Needs Umbrella Insurance in Colorado Springs?

Umbrella insurance is essential protection for Colorado Springs residents who want to safeguard their assets and financial security:

• Homeowners in Colorado Springs with significant equity

• Fort Carson military families with valuable assets

• Landlords and property owners in the Pikes Peak region

• Business owners with personal liability exposure

• Professionals with high net worth and future earnings

• Families with teen drivers or multiple vehicles

• Anyone with investment accounts, retirement savings, or valuable property

• Dog owners and pet owners with liability concerns

• Recreational vehicle and boat owners

Why Choose Main Street Insurance for Umbrella Coverage?

As an independent insurance agent based in Colorado Springs, I understand the importance of protecting your hard-earned assets and financial future. Whether you're a homeowner, landlord, business owner, or military family stationed at Fort Carson or Peterson Space Force Base, I'll help you determine the right amount of umbrella coverage to protect your Colorado Springs lifestyle.

Get a Free Umbrella Insurance Quote

Don't leave your assets exposed to major liability claims. Contact Main Street Insurance today for a personalized umbrella and excess liability insurance quote.

Call 719-309-6439 or email PatrickM@Themainstreetagency.com for expert umbrella insurance guidance.ess Liability Insurance in Colorado Springs

How Much Umbrella Insurance Do You Need?

Most Colorado Springs families choose between $1 million and $5 million in umbrella coverage. Consider:

• $1 Million: Entry-level protection for most homeowners

• $2 Million: Recommended for families with substantial assets or teen drivers

• $3-5 Million: Ideal for high net worth individuals and business owners

• $5+ Million: For significant wealth protection and estate planning

Umbrella insurance is surprisingly affordable: A $1 million policy typically costs $150-300 per year, and each additional million only adds $50-100 annually.

What Does Umbrella Insurance Cost in Colorado Springs?

Cost depends on several factors:

• Coverage Amount: $1M policies start at $150-300/year

• Number of Properties: Multiple homes or rental properties increase rates

• Vehicles: Teen drivers or multiple vehicles affect pricing

• Risk Factors: Pools, trampolines, dogs, boats add to cost

• Underlying Limits: Higher auto/home liability limits may reduce umbrella rates

Example Rates:

• Single-family homeowner, 2 vehicles: $1M coverage for $200-250/year

• Military family at Fort Carson, 3 vehicles: $2M coverage for $350-450/year

• Landlord with 2 rental properties: $2M coverage for $500-650/year

Serving Colorado Springs & Surrounding Areas

We provide umbrella insurance throughout the Pikes Peak region:

• Colorado Springs

• Fort Carson (on-base appointments available)

• Peterson Air Force Base

• Air Force Academy

• Monument

• Fountain

• Security-Widefield

• Manitou Springs

• Woodland Park

• Black Forest

Award-Winning Independent Insurance Agency

As a Bronze Winner - Best of Springs 2021, 2023 and Silver Winner - Best of Springs 2024, Main Street Insurance is committed to protecting Colorado Springs families and military personnel with comprehensive umbrella coverage and personalized service.

Proudly serving military families at Fort Carson, Peterson Air Force Base, and Air Force Academy with specialized umbrella insurance solutions.