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Umbrella Insurance

Stay Fully Covered, No Matter What.
Umbrella insurance is the shield you need to help protect you from tapping into your savings, future earnings, and investment funds. Umbrella insurance goes a step beyond traditional policies, covering a wide variety of cases to make sure you are legally secure no matter what incident or accident you face.

What is Umbrella Insurance?

Umbrella insurance is a secondary policy designed to protect you and your family from major claims and lawsuits. It is the superhero of insurance policies, able to save the day when other policies can’t.

What Does an Umbrella Insurance Policy Cover?

An umbrella policy will cover medical bills, claims for incidents that occurred on your property, and damages you are responsible for in case of a serious accident. With an umbrella policy, you get the benefit of added protection from liabilities and incidents including,


Umbrella insurance covers the fees and settlements you might have to pay if you are at fault in a court case.

Property Damage Claims

Umbrella coverage does not pay for damages on your property but will kick in to pay for fees and settlements of other persons damages to property.


Umbrella insurance covers any additional expenses or fees for claims where you might be at fault for another person's injuries.

Slander & Libel

An umbrella policy covers the fees and settlements you might have to pay in cases of defamation, slander or libel.

Worldwide Incidents

Umbrella insurance covers expenses you might have to pay if a claim is made against you away from home.

False Arrest & Imprisonment

Umbrella insurance covers the fees and settlements in cases of false imprisonment and arrest.

Umbrella Insurance is also known as Excess Liability Insurance.

Common Claims That Fall Under Umbrella Coverage

The following is a list of the most common claims that
an umbrella insurance policy covers.

Defense costs

Umbrella coverage pays the fees you need to defend yourself in court. The remaining associated liability expense would be paid by your umbrella policy.

Teen drivers

If you have teen drivers, umbrella coverage would boost your auto liability limit to protect against the increased risks of car accidents caused by teens.

Dog bites

Umbrella insurance pays medical expenses, lost wages, and pain and suffering in the event your dog bites another dog or person first.

Homeowners liability

If the cost of your liability is greater than your Homeowners Insurance limit, umbrella insurance can offer additional coverage.

False arrest and slander

Umbrella insurance helps pay for the costs to defend yourself in the case of false arrest, defamation, or malicious prosecution.

Intoxicated party attendee

You can be held liable for the expenses in a case you were indirectly involved in. Umbrella insurance would cover these charges.

Pain and suffering

You can be liable for the psychological stress that you have caused. Umbrella insurance would pay for and handles these claims.


Umbrella coverage can pay for litigation costs when someone that you served through a charitable organization charges you with negligence.

How Much Does Umbrella Insurance in Florida Cost?

A typical $1,000,000 umbrella policy for two adult drivers with home insurance averages only $150 a year.

What is the Minimum Required Auto Insurance Coverage in Florida?

Legally, in order to register a vehicle in Florida, drivers must carry a minimum of $10,000 Personal Injury Protection (PIP) coverage and $10,000 Property Damage Liability (PDL) coverage.

Cover Yourself With Umbrella Insurance in Florida Today.

Find out how much umbrella insurance you need.