Personal Umbrella Insurance for Edson Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Kansas, coordinate with your rural property or farm needs.
Why Edson Residents Choose Umbrella Coverage
Rural roads, farming activities, winter weather hazards, and property maintenance 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.
Kansas Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
Kansas requires at least $25k/$50k bodily injury and $25k 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 farm equipment, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Farm Owners
Kansas law requires owners of rental properties or farms to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and farm owners often need a landlord or commercial umbrella to sit over those policies.
Edson Property Regulations
In Edson, rural properties may need to comply with county regulations for habitability and insurance. We’ll coordinate certificates of insurance when your lender or county asks.
Tip: Keep records for driver training, security systems, and any animal training—these can help with underwriting.
What Your Edson Umbrella Can Cover
Auto Liability
- High-severity crashes on rural roads, multiple injuries, or farm-related incidents
- Family drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property or farm areas
- Farm equipment or livestock incidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, defamation allegations
- Some worldwide incidents within policy territory
Farming & Rec
- Excess over farm equipment liability when underlying limits are met
- Consider specialized policies for larger farm operations
What’s Not Covered
- Intentional acts
- Business activities and most farm exposures under a personal umbrella
- Professional services (get E&O/D&O and a commercial umbrella)
- Damage to your own property
- Vehicles/farm equipment without required underlying limits
How Much Limit? What Does It Cost in KS?
Most Edson families start at $1M–$2M. If you have farm operations, multiple drivers, 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 |
|---|---|
| Family drivers | Increase limits; some carriers require higher underlying auto |
| Farm equipment | Ensure liability meets minimums to be covered by the umbrella |
| Animal-related incidents | Underwriting questions apply; prior claims can limit options |
| Rental properties | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Edson Households
- Exposure Map — drivers, properties, farm equipment, animals, 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 lenders, associations, and counties.
- Annual Review — adjust for new drivers, property changes, equipment, or claims.
