Personal Umbrella Insurance for Moose 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 Moose Residents Choose Umbrella Coverage
Rural roads, wildlife encounters, winter weather hazards, and outdoor recreational 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, 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 $25,000/$50,000 for bodily injury and $20,000 for property damage. 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
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.
Moose Area Considerations
In areas like Moose, near national parks, properties may have unique requirements. We’ll coordinate certificates of insurance when your lender, association, or local authorities ask.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Moose Umbrella Can Cover
Auto Liability
- High-severity crashes, wildlife collisions, or injury claims
- Drivers in rural or recreational areas
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 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 Wyoming?
Most Moose families start at $1M–$2M. If you have drivers in rural areas, 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; ensure underlying auto meets requirements |
| Boats / ATVs | Ensure liability meets minimums to be covered by the umbrella |
| Wildlife-related risks | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Moose Households
- Exposure Map — drivers, properties, pets, recreational vehicles, online presence, rentals.
- Underlying Tune-Up — set auto/home/recreational vehicle liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for associations and local requirements.
- Annual Review — adjust for new drivers, property changes, or claims.
