Umbrella Insurancedone the right way.
Extra protection when the unexpected goes big.
What a Florida
umbrella policy covers.
Every situation is different. We build the policy around yours.
Excess Liability
Kicks in when your home, auto or boat liability limits are exhausted.
Legal Defense
Attorney fees and court costs, often outside your policy limit.
Auto Judgments
Large at fault accident awards that exceed your auto limits.
Premises Claims
Serious injuries to guests on your property, including pools.
Personal Injury
Libel, slander and defamation claims against you.
Watercraft Liability
Extends over eligible boat and recreational vehicle policies.
What's usually not included in your insurance, but we may be able to get you coverage.
Your own property
Umbrella is liability only — it never pays to repair your house or car.
Business activities
Personal umbrellas exclude business exposures; those need commercial umbrella.
Intentional acts
Deliberate or criminal conduct is excluded across all carriers.
Submit your details
Tell us what you're insuring and a few basics about your situation.
We shop multiple carriers
We compare coverage and pricing from the top rated markets for your risk.
You choose with confidence
We walk you through options, deductibles and discounts.
Let's add a second layer.
- $1M+ limits, often for a few hundred dollars
- Sits above home, auto and boat
- Underlying limit review included
Get started with a free quote.
Umbrella insurance questions.
Common questions about Florida personal umbrella insurance
Who needs umbrella insurance?
Anyone with assets or future income worth protecting — especially homeowners with pools, teen drivers, boats, rental property or public visibility.
How much does it cost?
Umbrella pricing depends on your underlying home and auto policies, number of drivers, vehicles, properties, watercraft and the limit you select. Because it sits above other coverage, it is typically one of the lowest cost-per-dollar-of-protection options available — we'll price the exact limit you want.
Do I have to hold my other policies with you?
Not necessarily, though many carriers require the umbrella to sit above their own home and auto policies. We'll find the structure that works.
What underlying limits are required?
Carriers typically require $250K/$500K auto liability and $300K of home liability before an umbrella can attach. We'll check yours.
What does an umbrella policy actually cover?
It provides liability limits above your home, auto, boat and other underlying policies once those limits are exhausted, and often adds coverage for claims like libel, slander and false arrest that underlying policies exclude. It does not cover damage to your own property or your business activities.
Does an umbrella cover my rental property or short-term rental?
It can, when the underlying landlord or dwelling-fire policy is scheduled on the umbrella and the carrier accepts the exposure. Short-term rentals are underwritten more carefully and must be disclosed.
Will an umbrella cover a claim brought against my teen driver?
Yes, provided the driver is listed on the underlying auto policy and the vehicle is covered. Households with teen drivers are among the strongest candidates for an umbrella.
Does umbrella insurance cover business or professional liability?
No. A personal umbrella excludes business pursuits and professional services. Those exposures belong on a commercial umbrella or excess liability policy over your business coverage.