Personal Umbrella Insurance for Curlew Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Iowa, considering local needs like rural properties or recreational vehicles.
Why Curlew Residents Choose Umbrella Coverage
Rural roads, farming activities, winter weather hazards, and recreational vehicles 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.
Iowa Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
Iowa requires a minimum auto liability of $20k/$40k for bodily injury and $15k for property damage. Umbrella carriers typically require higher underlying auto liability—often $250k/$500k. If your policy is at the minimum, 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 farm equipment, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Property Owners
Iowa 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.
Curlew Property Regulations
In Curlew, ensure compliance with local property rules. We’ll coordinate certificates of insurance when your lender or associations ask.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Curlew Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or farm-related incidents
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- ATV or pool 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 larger vessels
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 IA?
Most Curlew families start at $1M–$2M. If you have teen drivers, farm equipment, 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 |
| Farm equipment / ATVs | Ensure liability meets minimums to be covered by the umbrella |
| Pet bite history | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Curlew Households
- Exposure Map — drivers, properties, pets, farm equipment, online presence, rentals.
- Underlying Tune-Up — set auto/home/farm liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for associations and boards.
- Annual Review — adjust for new drivers, property changes, or claims.
