Personal Umbrella Insurance for South Lyme Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Connecticut, coordinate with your landlord or marina needs.
Why South Lyme Residents Choose Umbrella Coverage
Coastal roads, seasonal tourism, winter weather risks, and waterfront 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.
Connecticut Context: Underlying Policies & Landlord Rules
Auto Policy: Basic vs Standard
Connecticut offers various auto insurance options with customizable limits. Umbrella carriers typically require higher underlying auto liability—often $250k/$500k or a $300k combined single limit. If your policy has lower limits, we’ll upgrade 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 watercraft, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
Connecticut law requires owners of businesses and rental units 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.
South Lyme Registration
In South Lyme (Old Lyme area), rental properties may require local registrations and permits. We’ll coordinate certificates of insurance when your lender, association, or the town asks.
Tip: Keep records for teen drivers’ training, alarm systems, and any dog training or fencing—these can help with underwriting.
What Your South Lyme Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or lifetime care claims
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on sidewalks and steps
- Pool or trampoline 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 yacht policies for larger vessels and crew exposures
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 CT?
Most South Lyme families start at $1M–$2M. If you have teen drivers, a pool, frequent hosting, or higher assets/income, 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 South Lyme 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.
Local Resources
- CT Insurance Department — Auto Insurance Overview
- CT Insurance Department — Auto Policy Options
- CT Insurance Department — Homeowners Insurance FAQs
- CT General Statutes — Liability Insurance for Businesses & Rentals
- Town of Old Lyme — Building Department (Rental Regulations)
- Insurance Information Institute — Should I Buy an Umbrella?
