Personal Umbrella Insurance for Tusayan Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Arizona, coordinate with your landlord or marina needs.
Why Tusayan Residents Choose Umbrella Coverage
Tourism-related traffic, rural roadways, outdoor activities like hiking and boating, and potential for property-related incidents 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.
Arizona Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum Requirements
Arizona requires minimum auto liability of $25k/$50k for bodily injury and $15k for property damage. Umbrella carriers typically require higher underlying auto liability—often $100k/$300k or more. If your policy is at minimums, we’ll upgrade your underlying limits to qualify.
Home/Condo/Renters Liability
Most umbrellas require at least $100k–$300k 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
Arizona 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.
Tusayan Registration
In Tusayan, rental properties may need to comply with Coconino County regulations. We’ll coordinate certificates of insurance when your lender, association, or local authorities ask.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Tusayan Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or incidents on busy tourist routes
- Drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on properties
- Outdoor recreational incidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, defamation allegations
- Some worldwide incidents within policy territory
Boating & Rec
- Excess over boat/PWC liability when underlying limits are met
- Consider specialized policies for watercraft near lakes or rivers
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 AZ?
Most Tusayan families start at $1M–$2M. If you have drivers, outdoor activities, 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 |
|---|---|
| Drivers | Increase limits; ensure auto policy meets umbrella requirements |
| Boats / PWCs | Ensure boat 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 Tusayan 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 associations and local needs.
- Annual Review — adjust for new drivers, property changes, or claims.
