Florida Personal Umbrella Insurance
Peace of mind being ready for anything and everything,
Personal Umbrella Liability is one of the most commonly overlooked policies. Still, in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved in a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.
Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.
Learn More About Personal Umbrella Insurance Coverage
Florida Insurance Requirements
Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget.
Why do you need personal Umbrella Insurance?
A personal umbrella policy or a PUP is an extension of your liability insurance. It helps broaden and increase your protection. It can include significantly upping your coverage limit to relieve the financial strain of medical bills and legal fees in the event of an extremely costly accident.
Here are some specific circumstances that personal car insurance would cover:
What does personal Umbrella Insurance cover?
Personal Umbrella Insurance kicks in when your base policy liability limit is not enough. It protects you above and beyond the limits on your homeowners or condo insurance, car insurance, watercraft, or other personal insurance policies.
Umbrella insurance protects you in liability situations where your home, auto, or boat policies come up short. The extra coverage protects you in two ways—and here they are:
Typical Florida Policy Components.
What Does It Not Cover?
How much does personal Umbrella Insurance Cost?
Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence personal umbrella insurance rates.
The State where you live — insurance rates vary by state.
The risk that insuring — The more homes or cars you own, and the more household members your policy will cover, the more it will cost.
Location — The location can effect umbrella personal insurance premium.
Personal Factors — Your habits can affect your rates.
Claims History — Claims on a insurance policies.
The Household — Insurance companies underwrite at the household level, meaning they try to judge based on the entire family.
The Coverages You Choose — Your insurance choices and coverage amounts, deductibles have a significant impact on how much you’ll pay.