{"id":869,"date":"2023-05-15T04:00:00","date_gmt":"2023-05-15T04:00:00","guid":{"rendered":"https:\/\/www.collinginsurance.com\/blog\/?p=869"},"modified":"2023-05-12T18:02:41","modified_gmt":"2023-05-12T18:02:41","slug":"does-umbrella-insurance-cover-property-damage","status":"publish","type":"post","link":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/","title":{"rendered":"Does Umbrella Insurance Cover Property Damage?"},"content":{"rendered":"<p>At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner&rsquo;s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you will find that we have an answer to that question.<\/p>\n<h2><strong>What does umbrella insurance cover?<\/strong><\/h2>\n<p>An umbrella insurance policy may cover a combination of liability, property damage, and other considerations for those with a home insurance policy. If you reach the limit of your existing policy, an umbrella insurance policy might be able to help pick up the rest of the bill for repairs or related costs if they happen under certain qualifying conditions.<\/p>\n<p>The point of umbrella insurance is to serve as an &ldquo;umbrella&rdquo; that gives you an extra layer of protection for metaphorical rainy days. When difficult events like&nbsp;certain qualifying natural disasters hit your home, your umbrella insurance policy may be able to assist you with rebuilding by covering some of the property damage. Of course, this all depends on the policy&rsquo;s terms and the limits set on both your home and umbrella insurance policies.<\/p>\n<p>In the best-case scenario, your standard home insurance policy will cover the damage, and you will not need to rely on your umbrella insurance to cover some or all of the costs. In the worst-case scenario, most of our clients are thankful to have the foresight to purchase umbrella insurance before this kind of emergency strikes so close to home.<\/p>\n<p>For specific details on our umbrella insurance policies, call our office at Colling Insurance Services Inc. in Lakewood, CO today!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner&rsquo;s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[470,514,516],"class_list":["post-869","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-colling-insurance-services","tag-inc","tag-lakewood-co"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"AgentInsure\"\/>\n\t<meta name=\"keywords\" content=\"colling insurance services,inc.,lakewood co\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Colorado Insurance |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance\" \/>\n\t\t<meta property=\"og:description\" content=\"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2023-05-15T04:00:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2023-05-12T18:02:41+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance\" \/>\n\t\t<meta name=\"twitter:description\" content=\"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#article\",\"name\":\"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance\",\"headline\":\"Does Umbrella Insurance Cover Property Damage?\",\"author\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#organization\"},\"datePublished\":\"2023-05-15T04:00:00+00:00\",\"dateModified\":\"2023-05-12T18:02:41+00:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#webpage\"},\"articleSection\":\"Insurance, Colling Insurance Services, Inc., Lakewood CO\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/insurance\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#listItem\",\"name\":\"Does Umbrella Insurance Cover Property Damage?\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#listItem\",\"position\":3,\"name\":\"Does Umbrella Insurance Cover Property Damage?\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#organization\",\"name\":\"Colorado Insurance\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/\",\"name\":\"AgentInsure\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"AgentInsure\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#webpage\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/\",\"name\":\"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance\",\"description\":\"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/does-umbrella-insurance-cover-property-damage\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"datePublished\":\"2023-05-15T04:00:00+00:00\",\"dateModified\":\"2023-05-12T18:02:41+00:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/\",\"name\":\"Colorado Insurance\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance","description":"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you","canonical_url":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/","robots":"max-image-preview:large","keywords":"colling insurance services,inc.,lakewood co","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#article","name":"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance","headline":"Does Umbrella Insurance Cover Property Damage?","author":{"@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author"},"publisher":{"@id":"https:\/\/www.collinginsurance.com\/blog\/#organization"},"datePublished":"2023-05-15T04:00:00+00:00","dateModified":"2023-05-12T18:02:41+00:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#webpage"},"isPartOf":{"@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#webpage"},"articleSection":"Insurance, Colling Insurance Services, Inc., Lakewood CO"},{"@type":"BreadcrumbList","@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog#listItem","position":1,"name":"Home","item":"https:\/\/www.collinginsurance.com\/blog","nextItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}},{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/category\/insurance\/#listItem","position":2,"name":"Insurance","item":"https:\/\/www.collinginsurance.com\/blog\/category\/insurance\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#listItem","name":"Does Umbrella Insurance Cover Property Damage?"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#listItem","position":3,"name":"Does Umbrella Insurance Cover Property Damage?","previousItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}}]},{"@type":"Organization","@id":"https:\/\/www.collinginsurance.com\/blog\/#organization","name":"Colorado Insurance","url":"https:\/\/www.collinginsurance.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author","url":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/","name":"AgentInsure","image":{"@type":"ImageObject","@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g","width":96,"height":96,"caption":"AgentInsure"}},{"@type":"WebPage","@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#webpage","url":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/","name":"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance","description":"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.collinginsurance.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/#breadcrumblist"},"author":{"@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author"},"creator":{"@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author"},"datePublished":"2023-05-15T04:00:00+00:00","dateModified":"2023-05-12T18:02:41+00:00"},{"@type":"WebSite","@id":"https:\/\/www.collinginsurance.com\/blog\/#website","url":"https:\/\/www.collinginsurance.com\/blog\/","name":"Colorado Insurance","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.collinginsurance.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"Colorado Insurance |","og:type":"article","og:title":"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance","og:description":"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you","og:url":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/","article:published_time":"2023-05-15T04:00:00+00:00","article:modified_time":"2023-05-12T18:02:41+00:00","twitter:card":"summary","twitter:title":"Does Umbrella Insurance Cover Property Damage? | Colorado Insurance","twitter:description":"At Colling Insurance Services Inc. in Lakewood, CO, we ensure that our umbrella insurance policies cover what homeowners care about most. That being said, every policy is different, just like every homeowner\u2019s needs are different. Generally, you might wonder what umbrella insurance policies cover regarding property damage. As you keep reading the article below, you"},"aioseo_meta_data":{"post_id":"869","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2023-05-15 06:15:26","updated":"2025-06-04 12:49:18","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.collinginsurance.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.collinginsurance.com\/blog\/category\/insurance\/\" title=\"Insurance\">Insurance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tDoes Umbrella Insurance Cover Property Damage?\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.collinginsurance.com\/blog"},{"label":"Insurance","link":"https:\/\/www.collinginsurance.com\/blog\/category\/insurance\/"},{"label":"Does Umbrella Insurance Cover Property Damage?","link":"https:\/\/www.collinginsurance.com\/blog\/does-umbrella-insurance-cover-property-damage\/"}],"_links":{"self":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts\/869","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=869"}],"version-history":[{"count":1,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts\/869\/revisions"}],"predecessor-version":[{"id":870,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts\/869\/revisions\/870"}],"wp:attachment":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}