Extra Protection When Life Gets Unpredictable.
One lawsuit or major accident can exceed the limits of your home or auto policy.
At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock families add an affordable extra layer of protection through personal umbrella insurance — safeguarding your income, assets, and peace of mind.
Your standard homeowners or auto policy includes liability limits — but serious incidents can push beyond them quickly.
An umbrella policy provides additional liability coverage, often starting at $1 million and extending up to $10 million or more, protecting you from financial fallout after:
Major car accidents with high medical claims
Accidents involving guests on your property
Dog bites, pool injuries, or fall liability cases
Defamation, libel, or slander claims
Rental property or teen driver liability
Umbrella insurance acts as an extra layer on top of your existing auto, home, or rental policy.
Once those limits are exhausted, your umbrella policy takes over — covering remaining damages and even legal fees.
Example:
If your auto policy covers $250,000 in liability but you’re sued for $1 million, your umbrella policy can pay the remaining $750,000 — so you don’t have to.
Colorado’s growing population and active lifestyle mean increased exposure to liability risks — from teen drivers and short-term rentals to backyard gatherings.
In Douglas County, many homeowners also have significant equity and assets that need extra protection.
An umbrella policy is a simple, cost-effective way to safeguard your family from unexpected financial loss.
Core Protections
Bodily Injury Liability: Covers medical bills or lawsuit costs from accidents you cause.
Property Damage Liability: Pays for damage to someone else’s property.
Legal Defense Fees: Covers court costs and attorney fees beyond your primary policy limits.
Personal Injury Protection: Includes claims like libel, slander, false arrest, or invasion of privacy.
Worldwide Coverage: Protection follows you even outside the U.S.
Optional Endorsements
Rental Property Liability for landlords and vacation homes.
Uninsured Motorist Umbrella for extra auto protection.
High-Limit Umbrella (>$5 M) for high-net-worth clients.
Castle Rock residents often have multiple policies — homes, vehicles, and recreational assets.
RMIA helps you coordinate those policies so your umbrella coverage stacks seamlessly and eliminates gaps between carriers.
We work with leading insurers to ensure you meet underlying coverage requirements and qualify for maximum discounts.
Independent & Local: We compare multiple umbrella providers to fit your budget and liability needs.
Experience That Counts: Serving Castle Rock families since 2003 with a focus on long-term protection.
Tailored Coverage: We align your umbrella limits with your home equity, assets, and lifestyle.
Claim Support You Can Trust: If you ever face a lawsuit, our team will walk you through each step and coordinate with your carrier.
Typically between $150 and $300 per year for $1 million in coverage. Higher limits cost more but offer greater financial security.
You must maintain minimum liability limits on your home and auto policies (e.g., $250,000/$500,000 auto liability). We’ll help you meet these thresholds.
Yes, if you own rental homes, your umbrella can extend liability protection to those properties.
Yes. Umbrella insurance covers many personal injury claims not included in standard home policies.
If your total assets exceed those limits, an umbrella policy is the best way to safeguard your savings and future income.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Lawsuits and liability claims can happen to anyone.
Stay protected with personal umbrella coverage built for your Castle Rock lifestyle.
