Denver has 718,877 residents in 335,428 households. We list 50 agencies for umbrella insurance in Denver. Here is what the local numbers say about the cover people here need.

Denver at a glance

50umbrella insurance agencies listed
51.2%of households rentRenters insurance
$616,000median home valueHome insurance
1975median year homes were builtRebuild cost calculator
10.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Denver County

FEMA rates the overall natural hazard risk in Denver County, where most Denver agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Denver
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Denver
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Denver
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Denver
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Denver agencies work with

Of the 50 Denver agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers39 agencies
Liberty Mutual35 agencies
Liberty Mutual (Safeco)31 agencies
Travelers (Standard Fire)30 agencies
Safeco29 agencies
Nationwide25 agencies
Nationwide (Allied)23 agencies
Nationwide (Colonial)23 agencies
Progressive20 agencies
Chubb19 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Denver agencies are

Denver agencies we list sit in 21 ZIP codes, mostly in Denver County.

802378 agencies
802466 agencies
802095 agencies
802224 agencies
802103 agencies
802273 agencies
802022 agencies
802032 agencies
802122 agencies
802182 agencies
802282 agencies
802322 agencies
802041 agency
802061 agency
802111 agency
802151 agency
802261 agency
802311 agency
802331 agency
802341 agency
802491 agency

Questions

Umbrella insurance in Denver

All insurance agencies in Denver · Umbrella insurance across Colorado

Where can I find umbrella insurance in Denver?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Denver agencies work with?

Among the 50 Denver agencies whose appointments we hold, the companies they are most often appointed with are Travelers (39), Liberty Mutual (35), Liberty Mutual (Safeco) (31), Travelers (Standard Fire) (30), Safeco (29). An appointed agency can quote that company's policies.

Do I need flood insurance in Denver?

FEMA's National Risk Index rates inland flooding risk in Denver County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Umbrella insurance near Denver

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