Personal Umbrella Insurance for Lonerock Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Oregon, coordinate with your landlord or marina needs.
Why Lonerock Residents Choose Umbrella Coverage
Rural roads, outdoor activities, potential for farm-related incidents, 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.
Oregon Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum Requirements
Oregon requires a minimum auto liability of $25k/$50k for bodily injury and $10k for property damage, but umbrella carriers typically require higher limits like $100k/$300k. We’ll upgrade your policy to meet these standards if needed.
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
Oregon 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.
Lonerock Property Requirements
In rural areas like Lonerock, ensure compliance with local county rules for property rentals. We’ll coordinate certificates of insurance when your lender or association requires them.
Tip: Keep records for driver training, security systems, and any animal training—these can help with underwriting.
What Your Lonerock Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or rural road incidents
- Family drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- 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 outdoor exposures
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 OR?
Most Lonerock families start at $1M–$2M. If you have multiple drivers, rural 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 |
|---|---|
| Family drivers | Increase limits; some carriers require higher underlying auto |
| Boats / Rec Vehicles | 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 Lonerock 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 associations, marinas, and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
