Personal Umbrella Insurance for Chicken Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Alaska, coordinate with your remote property or recreational needs.
Why Chicken Residents Choose Umbrella Coverage
Remote locations, harsh winters, outdoor activities like hunting and boating, and potential for accidents in rugged terrain increase the chance of large liability claims. If a judgment exceeds the limits on your auto or homeowners policy, an umbrella helps protect savings, home equity, and future income.
We’ll sync your base policies with carrier requirements, then add an umbrella limit that fits your household, drivers, and properties.
Alaska Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
Alaska requires a minimum auto liability of $50,000 per person/$100,000 per accident for bodily injury and $25,000 for property damage. Umbrella carriers typically require higher underlying auto liability. If your policy is at minimums, we’ll upgrade your underlying limits to qualify.
Home/Condo/Renters Liability
Most umbrellas require at least $100k personal liability on your homeowners/condo/renters policy. We’ll also look at recreational vehicles, boats, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
Alaska law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and business owners often need a landlord or commercial umbrella to sit over those policies.
Chicken Property Regulations
In rural Alaska areas like Chicken, properties may have specific requirements for habitability and insurance. We’ll coordinate certificates of insurance when your lender or local authorities ask.
Tip: Keep records for driver training, security measures, and any pet training—these can help with underwriting.
What Your Chicken Umbrella Can Cover
Auto Liability
- High-severity crashes in remote areas or involving multiple vehicles
- Drivers in harsh weather conditions
Home & Premises
- Injuries from winter conditions or outdoor activities
- Boating or ATV incidents (subject to underwriting)
Personal Injury (policy-specific)
- Defamation allegations
- Some worldwide incidents within policy territory
Boating & Rec
- Excess over boat/PWC liability when underlying limits are met
- Consider specialized policies for river vessels and outdoor gear
What’s Not Covered
- Intentional acts
- Business activities and most landlord exposures under a personal umbrella
- Professional services (get E&O/D&O and a commercial umbrella)
- Damage to your own property
- Vehicles/boats without required underlying limits
How Much Limit? What Does It Cost in Alaska?
Most Chicken families start at $1M–$2M. If you have drivers in remote areas, outdoor gear, or higher assets, consider $3M–$5M or more. Pricing is often a few hundred dollars per year for the first million, with additional millions costing less each.
| Exposure | Consideration |
|---|---|
| Remote drivers | Increase limits; ensure underlying auto meets requirements |
| Boats / ATVs | Ensure liability meets minimums to be covered by the umbrella |
| Pet incidents | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Chicken Households
- Exposure Map — drivers, properties, pets, boats, online presence, rentals.
- Underlying Tune-Up — set auto/home/boat liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for properties and activities.
- Annual Review — adjust for new drivers, property changes, or claims.
