One Policy. Millions in Protection.
Umbrella insurance isn’t just for the ultra-wealthy—it’s for anyone who wants peace of mind in an unpredictable world. Whether you own a home in Avalon Park, have a teen driver on the road, or simply want to protect your assets, a personal umbrella policy in Orlando can add a critical layer of liability coverage above your home, auto, or rental property insurance.
With
umbrella insurance in Florida, you’re better protected against lawsuits and high-cost liability claims. And because many policies start at just a few hundred dollars per year for
$1–5 million in coverage, it’s one of the most affordable ways to protect what you’ve worked so hard to build.
When the Unexpected Happens, Your Umbrella Kicks In
Auto Accidents
If you cause a serious crash and your auto liability maxes out at $300,000, your umbrella policy can cover the remaining $700,000 in a $1M lawsuit—saving your home or retirement fund.
Home Liability
Someone slips at your home and suffers major injuries. Medical costs and legal fees quickly exceed your home insurance’s liability limits. Umbrella steps in to cover the rest.
Rental Properties
You rent out a home or condo and a tenant sues for injuries. Umbrella protects your personal assets beyond what landlord insurance covers.
Teen or College Drivers
Young drivers can mean higher risk. If your child causes a serious accident, umbrella coverage protects your finances from a major lawsuit.
Boats or Pools
These increase your liability exposure. Umbrella adds crucial protection for high-risk items not fully covered by standard policies.
Affordable Coverage That Reaches Further
For those with more to lose, a little extra coverage goes a long way.
An umbrella policy extends your liability protection in situations that go beyond the limits of your auto, home, boat, or rental property insurance. It's designed for asset protection, not property coverage.
- Bodily injury liability (car accidents, injuries on your property)
- Property damage liability (accidents where you’re held responsible)
- Legal defense costs for covered claims
- Personal injury claims (libel, slander, defamation – depending on policy)
- Global coverage in many cases (travel-related liability)
Note: Umbrella insurance doesn’t cover your own medical expenses, property damage, or business liabilities—but it can be added to your personal risk strategy to round out protection.
It could be the most important policy you ever purchase.
Is Umbrella Insurance Worth It in Florida?
If you’re wondering whether this extra coverage is necessary, you’re not alone. Many of our clients only learn about umbrella insurance when they’re looking to protect their retirement savings, a second home, or simply want peace of mind with teen drivers. Here are the most common questions we get.
What is umbrella insurance?
It’s extra liability coverage that kicks in when your auto, home, or other policy limits are exceeded.
Who needs umbrella insurance?
Homeowners, landlords, parents of teen drivers, boat owners, and anyone with significant savings or assets.
How much coverage can I get?
Most umbrella policies start at $1 million and go up in $1M increments. We'll help you choose the right amount.
Is umbrella insurance expensive?
Not at all. For the amount of coverage, it’s highly affordable—often $200–$400/year for $1M in protection.
Will it cover my business?
No, umbrella insurance is personal liability protection. You’ll need separate commercial coverage for business-related exposures.
What’s required to add an umbrella policy?
Insurers typically require you to carry minimum liability levels on your home and auto. We’ll make sure you qualify and are properly aligned.