Personal Umbrella Insurance for Dodson 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 Dodson Residents Choose Umbrella Coverage
Rural roads, harsh winters, farming equipment, and recreational activities like hunting or boating 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 in Montana.
Montana Context: Underlying Policies & Property Rules
Auto Policy: Minimum vs Higher Limits
Montana requires a minimum auto policy with $25k/$50k bodily injury and $10k 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 ATVs, livestock, and other rural exposures that may need scheduled underlying coverage.
Landlords & Rural Owners
Montana law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and rural property owners often need a landlord or commercial umbrella to sit over those policies.
Dodson Property Regulations
In Dodson, rural properties may need to comply with local zoning and insurance requirements. 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 in Montana.
What Your Dodson Umbrella Can Cover
Auto Liability
- High-severity crashes, wildlife collisions, or injury claims
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- ATV or livestock 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 specialized policies for larger vessels in Montana waters
What’s Not Covered
- Intentional acts
- Business activities and most rural 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 Dodson families start at $1M–$2M. If you have teen drivers, livestock, remote properties, 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 |
| ATVs / Livestock | Ensure liability meets minimums to be covered by the umbrella |
| Animal incidents | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Dodson Households
- Exposure Map — drivers, properties, pets, ATVs, online presence, rentals.
- Underlying Tune-Up — set auto/home/ATV liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for lenders and associations.
- Annual Review — adjust for new drivers, property changes, or claims.
