📞 800-616-1418
Takes 2–3 minutes · 150+ carriers · Florida's agency since 1966
A personal umbrella adds liability protection — typically $1 million or more — above the limits on your home and auto policies. If you're sued for an at-fault accident or an injury on your property and the judgment exceeds your underlying limits, the umbrella covers the difference and your legal defense. It's some of the least expensive coverage you can buy for the protection it provides.
A common guideline is enough to cover your net worth. $1M is the typical starting point, and higher increments are inexpensive.
Carriers require minimum liability limits on your underlying auto and home policies — often 250/500 on auto and $300K on home.
It can extend over many personal policies, including watercraft and landlord policies, when they're scheduled underneath it.