Personal Umbrella

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.


Tell us about your insurance needs

It’s essential to understand what your coverage options are — not just for your properties and belongings , but for you, family, and to others.

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.

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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:

Cover damages to someone else properties caused by you.

Cover damages to someone else injuries caused by you.

It will protect you against claims by anyone who injured in an auto accident caused by you.

It will protect you against claims by anyone who injures themselves while on your property.

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.

Bodily Injury

Whether your neighbors’ kid breaks his arm on your trampoline or your dog bites someone, umbrella insurance will help cover the medical bills or lawsuits that exceed the limits of your homeowner’s insurance.

Property Damages

If you get into an accident and the repair costs exceed the liability on your auto insurance, umbrella insurance kicks in to cover the rest of the expenses. It can even cover you if you rent equipment

Injury to Reputation

Slander. Libel. Defamation. If you injure someone’s reputation, whether in person or over social media, you could be sued for a significant amount. Umbrella insurance will cover you if you lose these lawsuits.

Legal Fees

Umbrella insurance will even cover your lawyer fees when you have to defend yourself in a lawsuit.

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What Does It Not Cover?

Personal Property

Criminal Acts

Contracted Worker Injuries

Flood Damage

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.

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Have any questions?

(239) 313-2045

Open Mon - Fri

9:00am - 5:00pm

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