Florida Umbrella Insurance

Florida umbrella insurance policies provide high-limit liability coverage. Lawsuits are awarding larger sums of money than ever before. Florida umbrella insurance policies are not just for the wealthy anymore. If someone is injured on your property, or you injure someone in a car accident, you could be liable for hundreds of thousands, if not millions, of dollars.


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Am I required to carry Florida umbrella insurance?


What coverage is available for Florida umbrella insurance?


How can I save money on my Florida umbrella insurance?


Am I required to carry Florida umbrella insurance?

Although you are not required to carry a Florida umbrella insurance policy it is a good idea if you have assets to protect from lawsuit. This policy gives you additional liability protection. The umbrella policy acts as excess liability insurance and requires that you have existing liability insurance in place already. Limits typically range from $1,000,000 to $10,000,000.

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What coverages are available for Florida umbrella insurance?

  • While your homeowners insurance may cover a $300,000 limit of liability coverage the Florida umbrella insurance policy can give you addtional coverage up to whatever limit you select.
  • Your auto insurance covers your liability up to the limit you carry on your auto insurance policy and your Florida umbrella insurance policy would give you additional liability coverage above those limits.
  • If you own any investment properties your Florida umbrella insurance policy would cover above the limits you carry on those.
  • If you have any recreational vehicles the Florida umbrella insurance policy would give you additional liability coverage above the limits of liability you already carry on them.

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How can I save money on my Florida umbrella insurance?

  • The best way to save money on your Florida umbrella insurance is to shop around. Our experts have access to the top Florida umbrella insurance companies. Get a quote now!
  • Higher Limits. The higher the liability limits you carry on your underlying policies the more it may save you on your umbrella policy.
  • Age. The age of drivers in your household will affect the premium of your Florida umbrella insurance policy. Drivers under the age of 25 could cause your rate to go up.
  • Number of underlying policies. The more underlying policies you cover under your Florida umbrella insurance the higher your rate will be.

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Disclaimer: This is only an example of how coverage could apply and does not represent any guarantee of coverage. This site contains general information relating to Florida umbrella insurance and is not intended to be a substitute for the law.