Personal Umbrella Insurance for Naples 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 landlord or marina needs.
Why Naples Residents Choose Umbrella Coverage
Outdoor activities, rural roadways, winter weather, 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.
Utah Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum vs Higher Limits
Utah requires a minimum auto liability of $25k/$50k/$15k, but umbrella carriers typically require higher underlying auto liability—often $100k/$300k 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, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
Utah 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.
Naples Registration
In Naples, rental properties may have local requirements; 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 Naples Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or off-road incidents
- Family drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- Pool or recreational equipment 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 UT?
Most Naples families start at $1M–$2M. If you have multiple drivers, outdoor activities, 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 underlying auto meets requirements |
| Boats / ATVs | Ensure liability meets minimums to be covered by the umbrella |
| Pet-related incidents | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Naples Households
- Exposure Map — drivers, properties, pets, boats, outdoor activities, 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 and lenders.
- Annual Review — adjust for new drivers, property changes, or claims.
