When a serious accident or lawsuit exhausts the liability limits on your auto, home, or boat policy, a personal umbrella steps in with an additional layer of protection, often for a modest yearly premium. As an independent agency, we help layer umbrella coverage over your existing policies so one unexpected incident is less likely to reach your savings and future earnings.
What an umbrella can cover
Above auto liability
Extends limits after a serious at-fault crash exceeds your auto policy.
Above home liability
Backs claims (an injury on your property, a dog bite, a pool incident) beyond your homeowners limit.
Above boat liability
Adds protection after an on-water incident exceeds your watercraft policy.
Legal defense
Helps with defense costs on covered claims, in addition to the judgment.
Who benefits most in Florida
Families with teen drivers, waterfront and pool owners, boat owners, and landlords all carry above-average liability exposure. In Florida’s litigious climate, even a moderate accident can top a base policy’s limits, and the policyholder pays the difference without an umbrella.
- Review your underlying limits We confirm your auto and home meet the carrier’s minimums.
- Right-size the limit We help match coverage to your assets and risk, commonly $1M–$5M.
- Coordinate your policies We help the umbrella sit cleanly over home, auto, and specialty coverage.
- Compare A-rated carriers Several companies, not one quote.