Personal Umbrella Insurance for Nantucket Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Massachusetts, coordinate with your waterfront or seasonal rental needs.
Why Nantucket Residents Choose Umbrella Coverage
Coastal living, boating activities, seasonal tourism, 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.
Massachusetts Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum Requirements
Massachusetts requires a minimum of $20k/$40k bodily injury and $5k property damage, but umbrella carriers typically require higher underlying auto liability—often $250k/$500k or more. We’ll ensure your policy meets these standards.
Home/Condo/Renters Liability
Most umbrellas require at least $100k personal liability on your homeowners/condo/renters policy. We’ll also look at watercraft, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Property Owners
Massachusetts law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and property owners often need a landlord or commercial umbrella to sit over those policies.
Nantucket Regulations
In Nantucket, seasonal rentals and properties must 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 Nantucket 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 property
- Pool, dock, or boating 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 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 MA?
Most Nantucket 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 |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Nantucket Households
- Exposure Map — drivers, properties, pets, boats, online presence, rentals.
- 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.
