Umbrella Insurance
Start your quoteUmbrella insurance adds extra liability protection on top of your auto, home, or boat policy, once a claim goes beyond what those policies cover. It’s not a standalone policy. It sits above the coverage you already have and picks up where those limits run out. We write umbrella policies for households across Florida who want protection beyond their standard limits.
What's covered
Tap any item to see what it means in plain language.
Judgments above your policy limits
If a lawsuit exceeds what your auto, home, or boat policy pays, the umbrella picks up where those limits run out. That's its whole job, and it's why it's priced the way it is.
Legal defense for large claims
Covers attorney costs on major liability claims, which can pile up fast even when you ultimately win.
Claims your other policies skip
Certain personal liability claims, like libel or slander, that standard auto and home policies may not cover at all.
One layer over everything
A single umbrella sits above all your underlying policies at once, so your auto, home, and boat coverage all get the same extra ceiling.
What's not covered
Your own property or injuries
Umbrella is liability-only. It pays people you're responsible for harming, not your own losses. Those stay with your auto and home policies.
Gaps in underlying coverage
The umbrella requires you to carry minimum limits on your base policies. A claim on a policy you don't carry, or carry too thin, isn't covered.
Business liability
Personal umbrellas exclude business exposure in most cases. Businesses need their own commercial umbrella above their GL policy.
Intentional acts
Deliberate harm and criminal conduct are excluded, as with every liability policy.
Good to know in Florida
- Florida's uninsured motorist rates and litigation environment mean a serious accident can produce a judgment well beyond standard auto liability limits.
- If you own a home, a boat, or have significant assets, a single lawsuit can put more at risk than your base policies are built to absorb.
- Umbrella coverage is often the least expensive way to close that gap.
How our quoting works
We shop it around
We look at what you already carry across your auto, home, and boat policies, then size an umbrella policy that actually closes the gap between those limits and your real exposure, not a one-size number.
Helpful to have handy
- Declarations pages for your auto, home, and boat policies
- Your current liability limits on each
- Who drives in your household
- Any boats, motorcycles, or recreational vehicles you own
Don't have all of it? Start anyway. We'll work with what you have.
Frequently asked questions
Do I need existing insurance policies before I can get umbrella coverage?
Yes. Umbrella insurance sits on top of underlying policies like auto, home, or boat insurance, and most carriers require you to carry a minimum liability limit on those policies first.
How much umbrella coverage should I get?
It depends on your assets and real exposure to a lawsuit, but many households start at $1 million and add coverage in increments from there. We can help size it based on what you actually have to protect.
Does umbrella insurance cover things like libel or slander claims?
Often yes. Many umbrella policies cover certain personal liability claims, like libel, slander, or false arrest, that standard home or auto policies don't address at all.
Can one umbrella policy cover my home, auto, and boat at the same time?
Yes, a single umbrella policy typically sits above all your underlying policies at once, as long as each of them meets the required minimum liability limit.