Umbrella Insurance
Extra Protection for the Unexpected
Umbrella insurance adds a layer of liability protection when your standard policies run out. We help Florida families stay financially secure with coverage that goes above and beyond.
Why Umbrella Insurance Matters
Your home, auto, and boat insurance all include liability coverage—but what happens if a major accident exceeds those limits? That’s where umbrella insurance steps in. It’s designed to protect your finances, savings, and future from high-dollar lawsuits or claims. In a state like Florida, where litigious claims and severe weather risks are higher than average, umbrella insurance offers an affordable way to gain significant peace of mind.
What Umbrella Insurance Can Covers
Excess Liability
Covers additional costs if your auto, home, or watercraft policy limits are exceeded.
Legal Defense
Pays for attorney fees and court costs associated with covered liability claims.
Worldwide Coverage
Provides protection for incidents that occur while traveling outside the U.S.
Personal Injury Protection
Covers claims like slander, libel, or false arrest that standard policies may not address.
Frequently Asked Questions
Who needs umbrella insurance?
Umbrella coverage is especially important if you own property, drive regularly, entertain guests, or have significant savings. If a serious accident occurs and you’re sued for more than your policy limit, umbrella insurance helps prevent financial devastation. It’s an affordable way to protect everything you’ve worked for.
Does umbrella insurance cover hurricane or flood damage?
No—umbrella insurance doesn’t cover physical property damage from natural disasters. It’s purely liability protection. However, it can cover legal claims that arise during these events—such as injuries on your property during a storm. We recommend pairing it with homeowners, flood, and auto coverage for full protection.
Can I get umbrella insurance without bundling it with other policies?
Typically, you’ll need to carry home and auto insurance with minimum liability limits before qualifying for umbrella coverage. We work with multiple carriers and can help you meet the requirements through bundled or individual policies.
How much coverage should I get?
Most people start with $1 million in umbrella coverage, but limits can extend to $5 million or more. The right amount depends on your assets, income, and personal risk level. We’ll help you determine the ideal coverage based on your full insurance picture.