Personal Umbrella Insurance for Loring 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 Loring Residents Choose Umbrella Coverage
Rural roads, winter weather, farming activities, and recreational pursuits like boating or ATV use 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 vs Higher Limits
Montana requires minimum auto liability, but umbrellas typically need higher underlying limits—often $250k/$500k or more. We’ll ensure your policy meets these 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 ATVs, 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.
Loring Property Requirements
In rural areas like Loring, ensure compliance with local county rules for property insurance. We’ll coordinate certificates of insurance when your lender or associations require them.
Tip: Keep records for driver training, security systems, and any animal training—these can help with underwriting.
What Your Loring Umbrella Can Cover
Auto Liability
- High-severity crashes on rural roads or involving multiple vehicles
- Family drivers and recreational vehicles
Home & Premises
- Winter slip-and-fall injuries or farm-related incidents
- ATV or recreational accidents (subject to underwriting)
Personal Injury (policy-specific)
- Defamation allegations
- Some worldwide incidents within policy territory
Boating & Rec
- Excess over boat/ATV liability when underlying limits are met
- Consider specialized policies for larger recreational vehicles
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/ATVs without required underlying limits
How Much Limit? What Does It Cost in MT?
Most Loring families start at $1M–$2M. If you have multiple drivers, rural properties, or 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 coverage is adequate |
| ATVs / Boats | Ensure liability meets minimums to be covered by the umbrella |
| Animal-related incidents | Underwriting questions apply; prior claims can limit options |
| Rental properties | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Loring 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, associations, and boards.
- Annual Review — adjust for new drivers, property changes, or claims.
