Personal Umbrella Insurance for Diomede 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 watercraft needs.
Why Diomede Residents Choose Umbrella Coverage
Harsh weather, remote locations, watercraft activities, and potential for accidents in isolated areas 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 minimum auto liability of $50k/$100k for bodily injury and $25k for property damage. Umbrella carriers typically require higher underlying auto liability—often $100k/$300k or more. If your policy is at the minimum, 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 watercraft, snowmobiles, and other exposures that may need scheduled underlying coverage.
Property Owners
Alaska law requires owners of properties to carry liability insurance in certain cases. Your personal umbrella generally excludes business pursuits; property owners may need a separate policy to sit over those exposures.
Diomede-Specific Needs
In remote areas like Diomede, properties may require specific insurance coordination. We’ll handle certificates of insurance when needed for lenders or local requirements.
Tip: Keep records for watercraft safety, weatherproofing, and any pet training—these can help with underwriting.
What Your Diomede Umbrella Can Cover
Auto Liability
- High-severity crashes in remote areas or involving multiple parties
- Drivers in harsh weather conditions
Home & Premises
- Injuries related to extreme weather or outdoor activities
- Watercraft or snowmobile incidents (subject to underwriting)
Personal Injury (policy-specific)
- Allegations of defamation or other claims
- Some incidents within policy territory
Watercraft & Rec
- Excess over boat/PWC liability when underlying limits are met
- Consider specialized policies for larger vessels in Alaskan waters
What’s Not Covered
- Intentional acts
- Business activities and most property exposures under a personal umbrella
- Professional services (get appropriate coverage)
- Damage to your own property
- Vehicles/watercraft without required underlying limits
How Much Limit? What Does It Cost in AK?
Most Diomede families start at $1M–$2M. If you have watercraft, remote properties, 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 |
Watercraft | Ensure liability meets minimums to be covered by the umbrella |
Weather-related risks | Underwriting questions apply; prior claims can limit options |
Properties | Use appropriate liability + separate coverage for business pursuits |
Our Process for Diomede Households
- Exposure Map — drivers, properties, watercraft, pets, and remote activities.
- Underlying Tune-Up — set auto/home/watercraft liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for any required entities.
- Annual Review — adjust for changes in drivers, properties, or activities.