Personal or Personal Lines Insurance is a type of insurance intended to protect you, your family, and your assets from harm, damage, or destruction. In some instances, you are required to carry insurance. Still, it’s something that we believe you should have, regardless of legal requirements.

What Are The Different Types of Personal Insurance?

Different types of Personal Insurance are specifically designed to help protect the various valuables in your life, including yourself and your family. Here are some of the most common types of Personal Insurance:







We are happy to offer all these insurance lines as individual or bundle options with existing policies. If you are curious about bundling different insurance policies or how to save on your current policy, reach out to one of our Denver insurance agents!

What Is Personal Liability Insurance?

Personal Liability Insurance is coverage that protects you in the event of an accident, disaster, or unforeseen incident. There are different types of personal liability, generally included as part of your homeowners or renters insurance policy. You can extend your liability coverage above your underlying policy limits by adding an Umbrella policy.

The goal of Personal Liability Insurance is to make sure that you are financially and legally protected, no matter what happens or who is at fault.

The two most common types of personal liability coverage are homeowners insurance and car insurance.

What Does Liability Insurance Cover?

Liability Insurance covers you and your family in an accident or disaster, no matter who is at fault. There is Bodily Injury and Property Damage liability coverage for Car Insurance, which helps with any medical or legal costs arising from a motor vehicle accident. Homeowners insurance includes Liability Protection, which protects you and your family if you cause damage to someone else’s property or injure them.

How Much Will My Insurance Cost?

Insurance costs will always vary based on the level of coverage you opt for, the value of what you are insuring, and the general risk you pose for filing a claim. These factors, combined with state requirements, will determine the overall cost of your insurance.

If you have a mortgage, your homeowner’s insurance cost is often rolled into your monthly mortgage payments, but you can always get a breakdown of insurance costs if needed.

What Do I Need To Get Insurance?

You must provide various documents and information to finalize your insurance policy. The best thing to do is to reach out to one of our Colorado insurance agents so we can evaluate your unique circumstances and generate an insurance quote that fits your needs and gives you the ultimate protection and peace of mind.