A personal umbrella sits on top of your home and auto policies, adding a layer of liability protection — usually $1 million or more — plus legal defense. For the price, it is some of the most valuable coverage you can own.
What it covers
Liability above your underlying auto and home limits: an at-fault crash with serious injuries, someone hurt on your property, even certain personal-injury claims like libel or slander. It also pays legal defense, often outside the limit.
Why Florida especially
Low auto minimums, heavy traffic, pools, boats, and rental properties all raise your liability exposure. A single serious-injury lawsuit can blow past your home and auto limits quickly, and Florida judgments can reach your assets and future wages.
Who should have one
If you have meaningful assets, a pool, a teen driver, a boat, or a rental property, an umbrella is close to a must. A common guideline is to carry at least enough to cover your net worth.
What it costs and requires
Often just a few hundred dollars a year for $1 million in coverage. Carriers require minimum underlying limits (commonly 250/500 on auto and $300,000 on home), which we set up so the umbrella sits properly on top.
Frequently asked questions
How much umbrella coverage do I need?
A common guideline is enough to cover your net worth. $1 million is the typical starting point, and higher limits are inexpensive to add.
How much does umbrella insurance cost?
Often just a few hundred dollars a year for $1 million, making it one of the best values in personal insurance.
What do I need to qualify?
Carriers require minimum liability limits on your underlying auto and home policies, commonly 250/500 on auto and $300,000 on home.
Add a layer of protection for a few hundred a year
We'll price umbrella coverage that sits properly over your home and auto, free.
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