Personal Umbrella Insurance for Taos Ski Valley Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for New Mexico, coordinate with your ski area or recreational needs.
Why Taos Ski Valley Residents Choose Umbrella Coverage
Mountainous terrain, winter sports like skiing, hiking trails, 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, 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.
New Mexico Context: Underlying Policies & Outdoor Rules
Auto Policy: Basic vs Standard
New Mexico offers various auto policies with customizable limits. Umbrella carriers typically require higher underlying auto liability—often $250k/$500k or a $300k combined single limit. If your policy has lower limits, we’ll upgrade 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 recreational vehicles, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
New Mexico law requires owners of businesses and rental units to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and business owners often need a landlord or commercial umbrella to sit over those policies.
Taos Ski Valley Registration
In Taos Ski Valley, properties in recreational areas may require specific registrations. We’ll coordinate certificates of insurance when your lender, association, or local authorities ask.
Tip: Keep records for winter sports training, security systems, and any pet training—these can help with underwriting.
What Your Taos Ski Valley Umbrella Can Cover
Auto Liability
- High-severity crashes on mountain roads, multiple injuries, or winter weather claims
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on trails or property
- Ski lift or recreational 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 high-altitude activities
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 NM?
Most Taos Ski Valley families start at $1M–$2M. If you have teen drivers, ski properties, frequent outdoor activities, or higher assets/income, 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 Taos Ski Valley 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.
