Personal Umbrella Insurance for Bullfrog Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Utah, coordinate with your property or recreational needs.
Why Bullfrog Residents Choose Umbrella Coverage
Rural roads, outdoor recreation like boating on Lake Powell, potential for property incidents, and remote living 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.
Utah Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
Utah requires minimum auto liability coverage, but for umbrella policies, carriers often want higher limits like $250k/$500k. We’ll ensure your policy meets these 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, boats, and other exposures.
Landlords & Property Owners
Utah law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords may need a landlord or commercial umbrella.
Bullfrog Area Considerations
In areas like Bullfrog, near Lake Powell, ensure compliance with local property rules. We’ll coordinate certificates of insurance as needed.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Bullfrog Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or off-road incidents
- Drivers and recreational vehicles
Home & Premises
- Property-related injuries
- Boating or outdoor 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 watercraft on Lake Powell
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 UT?
Most Bullfrog families start at $1M–$2M. If you have recreational activities, multiple vehicles, or higher assets, consider $3M–$5M or more. Pricing is often a few hundred dollars per year for the first million.
| Exposure | Consideration |
|---|---|
| Recreational vehicles | Ensure liability meets minimums for umbrella coverage |
| Boats / PWCs | Verify underlying coverage for water activities |
| Pet incidents | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Bullfrog 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 as needed.
- Annual Review — adjust for changes in drivers, property, or activities.
