Personal Umbrella Insurance for Roscoe 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 property or recreational needs.
Why Roscoe Residents Choose Umbrella Coverage
Rural roads, winter weather, outdoor activities, and property ownership 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.
Montana Context: Underlying Policies & Property Rules
Auto Policy: Minimum vs Higher Limits
Montana requires minimum auto liability of $25k/$50k/$10k, but 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, ATVs, and other exposures that may need scheduled underlying coverage.
Property Owners & Rentals
Montana law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; property owners may need a landlord or commercial umbrella to sit over those policies.
Roscoe Property Regulations
In Roscoe, ensure compliance with local property rules. We’ll coordinate certificates of insurance when your lender or associations require them.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Roscoe 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
- 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 and outdoor exposures
What’s Not Covered
- Intentional acts
- Business activities and most property 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 Roscoe families start at $1M–$2M. If you have teen drivers, recreational vehicles, 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 / 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 Roscoe Households
- Exposure Map — drivers, properties, pets, recreational vehicles, online presence, rentals.
- Underlying Tune-Up — set auto/home/recreational liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for associations and requirements.
- Annual Review — adjust for new drivers, property changes, or claims.
