ADDITIONAL LIABILITY PROTECTION
What Is Umbrella Insurance?
Umbrella insurance provides extra liability coverage that goes beyond the limits of your homeowners, auto and other underlying policies. If you're found responsible for a serious accident or injury, it can help cover the costs when your primary policy limits have been reached.Â
MORE PROTECTION
Helps cover significant claims that exceed your underlying policy limits.
GREATER PIECE OF MIND
Helps protect your assets and future earnings.Â
AUTO INSURANCE
HOMEOWNERS INSURANCE
Liability Limits
Liability Limits
$100,000 - $300,000
$100,000 - $300,000
UMBRELLA INSURANCE
Additional Liability Coverage
$1,000,000+
Your auto and homeowners policies have liability limits. Umbrella insurance sits on top of those policies and provides an additional layer of coverage when a claim exceeds those limits.Â
How Umbrella Coverage Works
A HIGHER LEVEL OF PROTECTION
1
Umbrella Coverage
Provides additional liability protection after your underlying limits are exhausted.
2
Underlying Policies
Auto, home, and other applicable policies respond first, up to their limits.Â
3
Peace of Mind
Helps protect your assets, income and future against significant claims.
A Serious Auto Accident
If you're found at fault in a major accident and damages exceed your auto policy limits, umbrella coverage can help cover the additional costs.Â
When Could Umbrella Insurance Help?
REAL SITUATIONS. REAL PROTECTION.
An Injury on Your Property
If a guest is seriously injured at your home, umbrella insurance can help cover the costs beyond your homeowners policy limits.Â
Certain Personal Liability Siatuions
It can also provide coverage for situations like slander or claims arising from your personal actions, depending on your policy.Â
A SMART CHOICE FOR MANY FLORIDA FAMILIES
Is Umbrella Insurance Right for You?
If you have significant assets, multiple drivers, own property, or simply want an added layer of protection, umbrella insurance can be a smart and affordable way to help safeguard your financial future.Â
Helps protect your assets and future income
A smart option for families with multiple drivers
Ideal for homeowners, boat owners and property owners
Provides added peace of mind for life's uncertainties
COMMON QUESTIONS
Umbrella Insurance FAQs
We've answered some of the most common questions about umbrella insurance. If you don't see your question here, our team is always happy to help.Â
​The amount of umbrella insurance you need depends on your assets, income, lifestyle, and potential liability risks. Personal umbrella policies commonly offer coverage starting at $1 million, with higher limits available through some insurers. Reviewing your current liability limits and overall financial exposure can help determine an appropriate amount of protection.
Personal umbrella insurance provides additional liability protection beyond the limits of certain underlying policies, such as auto and homeowners insurance. It may help cover certain bodily injury, property damage, and personal injury liability claims, including applicable legal defense expenses. Coverage depends on the policy's terms, conditions, and exclusions. Umbrella insurance generally does not cover damage to your own home, vehicle, or personal belongings.
The cost of umbrella insurance varies based on the coverage limit, number of drivers, vehicles, properties, and other liability exposures in your household. Your claims history and the insurance carrier's underwriting requirements may also affect the premium. We can help you explore available options and find coverage that fits your needs and budget.
Not necessarily. Some insurance carriers require you to maintain certain underlying policies with the same company, while others may allow coverage through different insurers. Umbrella policies also generally require minimum liability limits on your underlying auto, homeowners, or other applicable policies. We can review your existing coverage and help determine which umbrella insurance options may be available.
Some personal umbrella policies may extend liability protection to eligible boats, rental properties, or other exposures, but coverage is not automatic. Eligibility often depends on the type of property or watercraft, how it's used, required underlying insurance limits, and the carrier's underwriting guidelines. It's important to disclose these exposures so we can help determine whether they're eligible for coverage under your umbrella policy.
