Extra liability protection above your auto and home limits, engineered for Florida’s high-litigation environment. Real peace of mind for households with assets to protect.
Umbrella insurance is liability-only. It does not pay for your own injuries, your own property damage, or your own car repairs. What it does is protect your assets and future income against catastrophic liability claims that exceed your underlying policy limits.
Florida has historically been one of the most lawsuit-heavy states in the country, particularly for auto liability. The same accident in another state may settle for less than it does in Florida courts.
Roughly 1 in 5 Florida drivers carries no insurance. If they cause a serious accident, you may need uninsured/underinsured motorist coverage on your umbrella to recover. Not all umbrellas include this — we make sure yours does if you need it.
Florida lifestyle exposures — pools, docks, boats, jet skis — meaningfully increase liability risk. Umbrella is often the most cost-effective way to address it.
Your auto and home policies protect you up to a limit. Beyond that limit, your assets — house, savings, investments, future wages — are exposed in a judgment. For most middle-class and high-net-worth Florida households, an umbrella is one of the highest-leverage insurance dollars you can spend.
We don’t oversell umbrella — we match the limit to your actual asset and income exposure.
Most carriers require minimum underlying limits before umbrella attaches. We make sure your auto and home are positioned correctly first.
Personal umbrella pricing varies more between carriers than people realize. Shopping matters.
For households with significant assets, we have access to specialty markets that go beyond standard $1–5 million umbrellas.
Two minutes to start. No obligation. Top-rated carriers compared in one call.