One lawsuit shouldn’t undo everything you’ve built. That’s what umbrella insurance is for.
A personal umbrella policy adds an extra layer of liability protection — usually $1 million or more — on top of the limits on your auto and home insurance. If a serious claim goes beyond those limits, your umbrella steps in to protect your savings, your home, and your future income.
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For a few hundred dollars a year, most families can add $1 million of extra protection.
Why your home and auto limits may not be enough
Your auto and home policies each cap how much they’ll pay if you’re found responsible for someone else’s injuries or damage. One at-fault highway accident, a guest hurt at your home, or a teen driver mistake can produce a claim far larger than those limits — and in a lawsuit, your savings, home equity, and future wages can be exposed for the difference. An umbrella policy sits on top of your existing coverage and pays beyond it, plus covers legal defense costs. It’s one of the least expensive ways to protect everything you’ve worked for.
What a personal umbrella policy covers
$1M to $5M+ in extra liability
Choose a limit that fits your assets and income. Coverage kicks in above your underlying auto and home liability limits.
Auto, home & watercraft claims
Extends over your car, your home, and often your boat or jet ski — one policy backing several parts of your life.
Legal defense costs
Lawyer and court costs from a covered lawsuit are typically paid in addition to your limit — and those costs alone can be substantial.
Rental & landlord liability
Own a rental property? An umbrella can extend over the liability on your rental dwelling policy too.
Certain personal-injury claims
Many umbrella policies also cover claims like libel, slander, and defamation that standard home and auto policies exclude.
Protection for the whole household
Covers you and family members in your home — including teen drivers, often the biggest single liability risk a family faces.
A real office, 10 minutes away
We’re at 33550 S Dixie Hwy, Suite 102, Florida City — serving families and business owners across Homestead, Leisure City, Naranja and South Miami-Dade. We’ll review your current auto and home limits, make sure they qualify you for an umbrella, and right-size the coverage to what you actually need to protect.
33550 S Dixie Hwy, Suite 102
Florida City, FL 33034
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Umbrella insurance in Florida — common questions
What is umbrella insurance?
A personal umbrella policy provides extra liability coverage above the limits of your auto, home, or other underlying policies. If you’re responsible for injuries or damage that exceed those limits, the umbrella pays the difference up to its own limit, and also covers related legal defense costs.
Do I need it if I already have home and auto insurance?
Umbrella coverage is a layer on top of them, not a replacement. Home and auto liability limits are often lower than the cost of a serious accident or lawsuit. If you have savings, a home, rental property, a teen driver, or public exposure, an umbrella protects what those base limits don’t.
How much does umbrella insurance cost?
It’s one of the most affordable coverages relative to what it protects — many households add $1 million of coverage for a few hundred dollars a year. Your exact price depends on your household, drivers, properties, and the limit you choose. We’ll go over real numbers with you.
How much coverage should I have?
A common guideline is to carry at least enough umbrella coverage to protect your net worth — and ideally your future income too. We’ll help you land on a limit that fits your situation without over-buying.
What does umbrella insurance NOT cover?
It doesn’t cover your own injuries or property (that’s what your health, auto, and home policies are for), intentional or criminal acts, or most business activities. It’s specifically for third-party liability claims against you.
This is general information, not policy language. Coverage, eligibility, required underlying limits, and pricing vary by carrier and your specific situation.