Personal Umbrella Insurance for Keystone Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Colorado, coordinate with your landlord or marina needs.
Why Keystone Residents Choose Umbrella Coverage
Mountain roads, winter sports, recreational activities, and vacation rentals 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.
Colorado Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum Requirements
Colorado requires minimum auto liability coverage, but for umbrella policies, carriers typically want higher limits like $250k/$500k. We’ll ensure your policy meets these to qualify.
Home/Condo/Renters Liability
Most umbrellas require at least $300k personal liability on your homeowners/condo/renters policy. We’ll also look at recreational vehicles, snowmobiles, and other exposures that may need scheduled underlying coverage.
Landlords & Property Owners
Colorado law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords may need a landlord or commercial umbrella to sit over those policies.
Keystone-Specific Regulations
In Keystone, properties in resort areas may have additional insurance requirements. We’ll coordinate certificates of insurance when your lender, association, or local authorities ask.
Tip: Keep records for winter driving courses, home security systems, and any pet training—these can help with underwriting.
What Your Keystone Umbrella Can Cover
Auto Liability
- High-severity crashes on mountain roads or involving multiple vehicles
- Teen drivers and households with recreational vehicles
Home & Premises
- Slip-and-fall injuries on icy paths or during outdoor activities
- Hot tub or ski equipment incidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, defamation allegations
- Some worldwide incidents within policy territory
Recreational & Outdoor
- Excess over RV or boat liability when underlying limits are met
- Consider specialized policies for high-risk activities like skiing
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/recreational equipment without required underlying limits
How Much Limit? What Does It Cost in CO?
Most Keystone families start at $1M–$2M. If you have teen drivers, outdoor gear, vacation rentals, 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 |
|---|---|
| Teen drivers | Increase limits; some carriers require higher underlying auto |
| Recreational vehicles | Ensure liability meets minimums to be covered by the umbrella |
| Pet-related incidents | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Keystone Households
- Exposure Map — drivers, properties, pets, recreational equipment, rentals.
- Underlying Tune-Up — set auto/home/RV liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for HOAs, marinas, and local boards.
- Annual Review — adjust for new drivers, property changes, or new activities.
