Personal Umbrella Insurance for Surrey Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for North Dakota, coordinate with your landlord or marina needs.
Why Surrey Residents Choose Umbrella Coverage
Rural roads, winter weather, farming equipment, 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.
North Dakota Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum Requirements
North Dakota requires minimum auto liability of $25,000/$50,000 for bodily injury and $25,000 for property damage. Umbrella carriers typically require higher underlying auto liability—often $100k combined single limit 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 & Business Owners
North Dakota law requires owners of rental properties 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.
Surrey Property Regulations
In Surrey, rental properties must comply with local and state housing codes. We’ll coordinate certificates of insurance when your lender, association, or the city asks.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Surrey Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or rural road incidents
- Family drivers and multi-vehicle households
Home & Premises
- Winter slip-and-fall injuries on driveways and steps
- Farm equipment 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 larger vessels and farm equipment
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 ND?
Most Surrey families start at $1M–$2M. If you have family drivers, farm exposures, 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 |
|---|---|
| Family drivers | Increase limits; some carriers require higher underlying auto |
| Boats / Farm equipment | Ensure liability meets minimums to be covered by the umbrella |
| Pet incidents | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Surrey 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.
