One bad day shouldn't reach everything you've built.
For when standard limits stop being enough.
An umbrella sits on top of the home and auto policies you already have, raising the liability limit above both. See home coverage.
For when standard limits stop being enough.
An umbrella sits on top of the home and auto policies you already have, raising the liability limit above both. See home coverage.
It's simpler than it sounds — extra liability that only comes into play when a covered claim runs past the limits you already have.
Umbrella layers over the liability limits already on your auto and home policies. You keep what you have; this adds height.
It only comes into play when a covered claim runs past the limits on those underlying policies.
It's built for the rare, serious claim that a standard limit wouldn't fully cover — a wider margin, without rebuilding what you have.
Umbrella coverage makes the most sense when a single claim could reach past your everyday limits and touch what you've worked for. That often means people with savings or assets to protect, homeowners and property owners, and landlords with rental units, where renting to others adds another layer of liability.
It's also worth a look for families with teenage drivers, since a new driver on the policy raises the odds of a serious auto claim. Not sure it applies to you? That's exactly the kind of question we like. Tell us about your situation and we'll give you a straight answer, no pressure.
See if umbrella fitsThis is the advantage of an independent agency: one quote request here puts multiple Florida carriers to work competing for you. No reason to spend your evening filling out forms site by site — comparing them is literally our job. The list changes as the Florida market changes; ask us for the current one.
Two minutes online, or call the office. Share your current auto and home coverage, in English or Spanish.
We look at where your limits sit today and quote umbrella coverage that fits on top, across multiple Florida insurers.
Pick your policy and we handle the paperwork, and we're still here at renewal and claim time.
It adds liability coverage on top of your auto and home policies. When a covered claim runs past the limits on those policies, the umbrella picks up from there.
It depends on how much a serious claim could reach. If you have savings, property, rental units, or a teenage driver, there's more on the line, and that's usually where umbrella earns its place. We'll help you decide honestly.
No. Umbrella sits on top of them. You keep your existing policies, and the umbrella adds a wider margin above their limits.
Two minutes online, or one call to the office. We'll help you decide whether umbrella is a fit, since 1994.
Get a free umbrella quote