Personal Umbrella Insurance for Conner Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Montana, coordinate with your rural property or recreational needs.
Why Conner Residents Choose Umbrella Coverage
Rural roads, winter weather, outdoor activities like hunting and boating, and remote 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, property, and future income.
We’ll sync your base policies with carrier requirements, then add an umbrella limit that fits your household, drivers, and properties.
Montana Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
Montana requires minimum auto liability of $25k/$50k for bodily injury and $10k for property damage. Umbrella carriers typically require higher underlying auto liability—often $250k/$500k 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 recreational vehicles, farms, and other exposures that may need scheduled underlying coverage.
Landlords & Property Owners
Montana 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.
Conner Area Regulations
In rural Montana areas like Conner, property owners should ensure compliance with local county regulations. 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 Conner Umbrella Can Cover
Auto Liability
- High-severity crashes on rural roads or involving wildlife
- Multiple vehicles or drivers in a household
Home & Premises
- Slip-and-fall injuries on property
- Recreational incidents like ATV accidents (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 on Montana lakes
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 MT?
Most Conner families start at $1M–$2M. If you have multiple drivers, rural properties, or outdoor recreational activities, 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 |
|---|---|
| Multiple drivers | Increase limits; ensure underlying auto meets requirements |
| Boats / ATVs | Ensure liability meets minimums to be covered by the umbrella |
| Pet incidents | Underwriting questions apply; prior claims can limit options |
| Rental properties | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Conner 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 associations and lenders.
- Annual Review — adjust for new drivers, property changes, or claims.
