Personal Umbrella Insurance for Rogerson Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Idaho, coordinate with your rural property or recreational needs.
Why Rogerson Residents Choose Umbrella Coverage
Rural roads, outdoor activities, winter weather, and property ownership 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.
Idaho Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
Idaho requires a minimum of $25,000/$50,000 bodily injury and $15,000 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 personal liability on your homeowners/condo/renters policy. We’ll also look at recreational vehicles, farms, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
Idaho 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.
Rogerson Property Regulations
In Rogerson, ensure compliance with local zoning and property requirements. We’ll coordinate certificates of insurance when your lender or county asks.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Rogerson Umbrella Can Cover
Auto Liability
- High-severity crashes on rural roads or involving multiple vehicles
- Family drivers and recreational vehicles
Home & Premises
- Injuries on property, such as from farm equipment or outdoor activities
- Pool or ATV 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 farms or larger recreational 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/RVs without required underlying limits
How Much Limit? What Does It Cost in ID?
Most Rogerson families start at $1M–$2M. If you have rural properties, recreational vehicles, 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 |
|---|---|
| Rural drivers | Increase limits; Idaho roads may require higher underlying auto |
| RVs / Boats | Ensure liability meets minimums to be covered by the umbrella |
| Pet incidents | Underwriting questions apply; prior claims can limit options |
| Rental properties | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Rogerson Households
- Exposure Map — drivers, properties, pets, RVs, outdoor activities, 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 lenders, associations, and counties.
- Annual Review — adjust for new drivers, property changes, or claims.
