Personal Umbrella Insurance for Harpswell 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 Harpswell Residents Choose Umbrella Coverage
Coastal living, boating activities, winter weather, and recreational 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 Requirements
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 $250k/$500k 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 $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.
Waterfront & Recreational Owners
Maine law requires owners of waterfront properties and recreational vehicles to carry liability insurance. Your personal umbrella generally excludes business pursuits; owners often need a specialty or commercial umbrella to sit over those policies.
Harpswell Regulations
In Harpswell, waterfront properties may require specific insurance for docks and moorings. 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 Harpswell 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 docks and paths
- Boating or waterfront 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 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 Harpswell 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 |
| Dog bite history | Underwriting questions apply; prior claims can limit options |
| Waterfront units | Use specialty liability + umbrella for recreational pursuits |
Our Process for Harpswell 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 associations, marinas, and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
