Personal Umbrella Insurance for Basin Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Wyoming, coordinate with your rural property or recreational needs.
Why Basin Residents Choose Umbrella Coverage
Rural roads, wildlife encounters, harsh winters, and outdoor activities 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.
Wyoming Context: Underlying Policies & Property Rules
Auto Policy: Minimum Requirements
Wyoming requires minimum auto liability coverage, but umbrella carriers typically want higher limits—often $250k/$500k or a $300k combined single limit. 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, farms, and other exposures that may need scheduled underlying coverage.
Landlords & Business Owners
Wyoming 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.
Basin Property Considerations
In rural areas like Basin, properties may involve unique risks such as livestock or outdoor structures. We’ll coordinate certificates of insurance when your lender or associations require them.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Basin Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or wildlife-related incidents
- Drivers in rural areas and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- Recreational incidents like ATV accidents (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 or outdoor gear
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/recreational equipment without required underlying limits
How Much Limit? What Does It Cost in WY?
Most Basin families start at $1M–$2M. If you have rural properties, recreational vehicles, 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 |
|---|---|
| Rural drivers | Increase limits; Wyoming roads may require higher underlying auto |
| Boats / ATVs | Ensure liability meets minimums to be covered by the umbrella |
| Pet incidents | Underwriting questions apply; prior claims can limit options |
| Rental properties | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Basin Households
- Exposure Map — drivers, properties, pets, recreational vehicles, and rural activities.
- Underlying Tune-Up — set auto/home/recreational liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for lenders, associations, and boards.
- Annual Review — adjust for new drivers, property changes, or claims.
