Personal Umbrella Insurance for Star Valley Ranch 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 property or recreational needs.
Why Star Valley Ranch Residents Choose Umbrella Coverage
Rural roads, winter weather, outdoor recreation risks, 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 & Property Rules
Auto Policy: Liability Requirements
Wyoming requires minimum auto liability coverage, but for umbrella policies, carriers typically need higher limits like $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, ATVs, and other exposures that may need scheduled underlying coverage.
Landlords & Property Owners
Wyoming law requires owners of rental units to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords may need a landlord or commercial umbrella to sit over those policies.
Star Valley Ranch Property Regulations
In Star Valley Ranch, ensure compliance with local property rules. We’ll coordinate certificates of insurance when your lender, association, or county asks.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Star Valley Ranch Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or rural road incidents
- Drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- Outdoor recreation incidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, defamation allegations
- Some worldwide incidents within policy territory
Recreational & Outdoor
- Excess over RV/ATV liability when underlying limits are met
- Consider specialized policies for larger recreational vehicles
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 Star Valley Ranch 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 coverage is adequate |
| Recreational vehicles | Ensure RV/ATV 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 Star Valley Ranch Households
- Exposure Map — drivers, properties, pets, recreational vehicles, and outdoor activities.
- Underlying Tune-Up — set auto/home/RV liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for associations and property managers.
- Annual Review — adjust for new drivers, property changes, or recreational additions.
