Personal Umbrella Insurance for Kelly 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 landlord or marina needs.
Why Kelly Residents Choose Umbrella Coverage
Rural roads, outdoor activities, winter weather hazards, 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.
Wyoming Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum Requirements
Wyoming requires minimum auto liability of $25k/$50k for bodily injury and $20k for property damage, but umbrella carriers typically require higher limits like $250k/$500k. If your policy is at minimums, we’ll upgrade 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
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.
Kelly Property Regulations
In Kelly, ensure compliance with local Teton County requirements for property ownership and rentals. We’ll coordinate certificates of insurance when your lender or associations ask.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Kelly Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or wildlife-related incidents
- Drivers in rural areas with longer response times
Home & Premises
- Slip-and-fall injuries on property
- Recreational hazards like trails or equipment (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 in Wyoming waters
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 WY?
Most Kelly families start at $1M–$2M. If you have rural drivers, 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 due to higher accident potentials |
| Boats / ATVs | Ensure liability meets minimums to be covered by the umbrella |
| Pet incidents | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Kelly 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 and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
