Umbrella Insurance

An extra layer of liability protection that kicks in when your home, auto, or watercraft coverage reaches its limit.

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Serving Clients Across Florida

Coverage Overview

What Umbrella Insurance Covers

An umbrella policy provides broad liability coverage that goes beyond the limits of your existing policies. When a claim exceeds what your home or auto policy will pay, your umbrella steps in to cover the rest, protecting your assets and future earnings.

Extended Liability

Adds $1M or more in liability coverage on top of your existing home, auto, and boat policies.

Bodily Injury Claims

Covers serious injury claims made against you that exceed your underlying policy limits.

Property Damage

Protects you when damages to another person's property go beyond your standard policy limits.

Legal Defense Costs

Covers attorney fees and legal costs associated with covered claims, even if you're not at fault.

Good Fit For

  • Homeowners, drivers, or boat owners who want extra peace of mind
  • Anyone with significant assets to protect, including savings, investments, and property
  • Families with teenage drivers or a pool, trampoline, or other liability exposures
  • Landlords or those who frequently host guests on their property

Quick Checklist

To get a fast quote, have this ready:

  • Current home & auto policy info
  • Number of vehicles and drivers
  • Any watercraft or rental properties
  • Desired coverage amount (typically $1M to $5M)
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Questions?

We'll walk you through your options in plain English.

(561) 421-3600

Helpful Note

Umbrella policies typically require minimum liability limits on your underlying home and auto policies before they activate.

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Common Umbrella Insurance Questions

Answers to what we hear most often.

An umbrella policy provides additional liability coverage beyond the limits of your existing home, auto, and watercraft policies. It covers bodily injury, property damage, and in many cases personal liability situations like libel or slander. It does not cover your own injuries or property damage to your own belongings.

Most people start with $1 million in umbrella coverage, which is often surprisingly affordable. The right amount depends on your assets, your risk exposure (vehicles, rental properties, pools, etc.), and your income. A general rule of thumb is to carry enough to cover your net worth.

Not always, but many carriers require that you hold your primary home and auto policies with them before issuing an umbrella. As an independent agent, we can often find a solution that works with your existing policies or bundle everything for the best value.

Umbrella insurance is one of the most cost-effective coverages available. A $1 million policy typically costs between $150 and $300 per year. Additional millions are usually added at a lower incremental cost. Given the level of protection it provides, most clients find it well worth the investment.

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Ready to add an extra layer of protection?

We'll find the right umbrella policy for your situation. No pressure, no jargon.

Request a Quote (561) 421-3600