Personal Umbrella Insurance for Herrick Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for South Dakota, coordinate with your rural property or recreational needs.
Why Herrick Residents Choose Umbrella Coverage
Rural roads, farming activities, severe weather events, and recreational vehicles 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.
South Dakota Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
South Dakota requires a minimum of $25k/$50k bodily injury and $25k property damage. Umbrella carriers typically require higher underlying auto liability—often $100k/$300k combined. 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 farms, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Property Owners
South Dakota law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords often need a landlord or commercial umbrella to sit over those policies.
Herrick Property Regulations
In rural areas like Herrick, properties may need to comply with county regulations. We’ll coordinate certificates of insurance when your lender or local authorities ask.
Tip: Keep records for driver training, security systems, and any animal training—these can help with underwriting.
What Your Herrick Umbrella Can Cover
Auto Liability
- High-severity crashes on rural roads or involving farm equipment
- Multiple vehicles and drivers in a household
Home & Premises
- Injuries on property, such as from farm machinery or weather-related incidents
- ATV or recreational accidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, or defamation allegations
- Some incidents within policy territory
Recreational & Farm
- Excess over ATV/farm equipment liability when underlying limits are met
- Consider specialized policies for larger agricultural operations
What’s Not Covered
- Intentional acts
- Business activities and most farm/rental exposures under a personal umbrella
- Professional services (get E&O/D&O and a commercial umbrella)
- Damage to your own property
- Vehicles/farm equipment without required underlying limits
How Much Limit? What Does It Cost in SD?
Most Herrick families start at $1M–$2M. If you have multiple vehicles, 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 |
|---|---|
| Multiple drivers | Increase limits; ensure auto policies meet minimums |
| ATVs / Farm equipment | 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 Herrick Households
- Exposure Map — drivers, properties, animals, farm equipment, online presence, rentals.
- Underlying Tune-Up — set auto/home/farm liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for lenders and local boards.
- Annual Review — adjust for new drivers, property changes, equipment, or claims.
