Personal Umbrella Insurance for Ward 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 Ward Residents Choose Umbrella Coverage
Mountainous terrain, winter weather hazards, recreational activities, and rural properties 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 of $25k/$50k for bodily injury and $15k for property damage. Umbrella carriers typically require higher underlying auto liability—often $250k/$500k 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, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
Colorado 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.
Ward Property Regulations
In Ward, ensure compliance with local Boulder County requirements for rental properties. We’ll coordinate certificates of insurance when your lender, association, or the county asks.
Tip: Keep records for defensive driving courses, home security systems, and any pet training—these can help with underwriting.
What Your Ward Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or wildlife-related incidents
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on icy paths or trails
- Pool or recreational equipment 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 mountain activities like snowmobiling
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 CO?
Most Ward families start at $1M–$2M. If you have teen drivers, outdoor recreation, 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 |
| Boats / PWCs | Ensure boat liability meets minimums to be covered by the umbrella |
| Dog bite history | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Ward 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 HOAs, marinas, and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
