Personal Umbrella Insurance for Falmouth Foreside Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Maine, coordinate with your waterfront or recreational needs.
Why Falmouth Foreside Residents Choose Umbrella Coverage
Coastal living, boating activities, winter weather hazards, 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.
Maine Context: Underlying Policies & Waterfront Rules
Auto Policy: Minimum vs Higher Limits
Maine requires a minimum auto liability of $50k/$100k for bodily injury and $25k for property damage. Umbrella carriers typically require higher underlying auto liability—often $100k/$300k or more. If your policy is at 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 boats, ATVs, and coastal exposures that may need scheduled underlying coverage.
Waterfront & Recreational Owners
Maine law requires owners of boats and certain properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; waterfront or recreational owners often need a specialty or marine umbrella to sit over those policies.
Falmouth Foreside Regulations
In Falmouth Foreside, waterfront properties may need to comply with local zoning and insurance requirements. We’ll coordinate certificates of insurance when your lender, association, or the Town asks.
Tip: Keep records for boat safety courses, security systems, and any pet training—these can help with underwriting.
What Your Falmouth Foreside 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 docks and paths
- Boating or beach 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 marine policies for larger vessels and coastal exposures
What’s Not Covered
- Intentional acts
- Business activities and most recreational 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 ME?
Most Falmouth Foreside families start at $1M–$2M. If you have teen drivers, a boat, frequent guests, 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 |
| Coastal pet incidents | Underwriting questions apply; prior claims can limit options |
| Waterfront rentals | Use marine liability + commercial umbrella for recreational pursuits |
Our Process for Falmouth Foreside Households
- Exposure Map — drivers, properties, pets, boats, online presence, waterfront activities.
- 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.
