Umbrella Insurance in Florida
An extra layer of protection that kicks in when your other policies reach their limits. Umbrella insurance is one of the smartest — and most affordable — ways to protect your assets.
What Is Umbrella Insurance?
Umbrella insurance provides liability coverage above and beyond your standard home, auto, or watercraft policies. If you're sued after a serious accident and the damages exceed your policy limits, your personal assets could be at risk — your savings, home, and future earnings. An umbrella policy closes that gap.
For most Florida families, an umbrella policy costs just a modest amount per year for $1 million in additional coverage. Call us and we'll find the right amount of protection for your budget.
What's Typically Covered
- $1 million or more in additional liability protection
- Covers bodily injury and property damage beyond primary limits
- Protection from large lawsuits and legal fees
- Covers incidents on and off your property
- Works on top of your home, auto, and watercraft policies
- Affordable — call us for a personalized quote
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with significant assets to protect, or who has above-average liability risk (pool, trampoline, teenage drivers, rental property, dogs) should consider umbrella insurance.
How much umbrella coverage do I need?
A common rule is to match your coverage to your net worth. $1–2 million is a popular choice for most families. Call us and we'll help you decide.
Get Your Quote Today
Tammy will shop multiple carriers to find the best rate for your specific situation.
Request a Free QuoteCall (305) 485-3999📍 Serving All of Florida
Based in Miami at 9531 SW 40th Street — licensed to provide coverage throughout the entire state of Florida.
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