$1M to $5M+ Extended Limits
Adds substantial liability protection after the underlying limit on your auto, homeowners, or boat policy has been exhausted.
Excess Liability Protection
Florida Personal Umbrella Insurance
An added layer of personal liability protection above your underlying home, auto, and watercraft policies. Safeguard your family’s home, savings, investments, and future earnings.
How Layered Liability Protection Works
When an unexpected major claim exceeds underlying limits, umbrella coverage steps in.
Legal Defense Outside Limits
Covers legal fees, attorney retainers, and court defense costs associated with covered lawsuits, often in addition to policy limits.
Broad Worldwide Protection
Extends liability protection for covered incidents involving household members anywhere in the world, including travel and rental vehicles.
What to prepare for your conversation
Current home, auto and boat liability limits, household drivers, and any rental properties or other liability exposures.
Coverage and eligibility questions
Ask which underlying limits are required, who is insured, and whether exclusions or eligibility restrictions apply to your household. Availability and coverage depend on the insurer and policy terms.
Educational example: two layers of liability coverage
If a covered liability claim were $500,000 and the applicable underlying policy paid its $300,000 limit, an umbrella policy might address the remaining $200,000, subject to its terms, exclusions, limits and required underlying coverage. This simplified example is not a quote, coverage decision or promise of payment.
Next steps
No obligation. Request a quote to start an agent follow-up; this website does not provide an instant price or bind coverage.
Can I ask for help before I have every document?
Yes. Start with the information you have. The agency can explain what else is needed to review available options.