Umbrella Insurance in Florida
Umbrella Insurance
An umbrella policy may provide additional liability coverage after selected underlying home or auto policy limits are exhausted, subject to its terms.
Available Coverage Options
Coverage options, limits, deductibles, and availability vary by carrier and policy. Coverages are included only when selected or required by law.
- Extra liability coverage beyond your home and auto policy limits
- Typically $1 million to $5 million in additional coverage
- Covers bodily injury and property damage liability
- Personal and advertising injury (libel, slander)
- Covers incidents that occur worldwide
- Defense costs in addition to the policy limit
- Coverage for rental properties you own
Why Turner Florida Insurance?
Premiums for a $1 million umbrella policy vary by carrier, household, underlying coverage, and policy terms.
A serious lawsuit can affect a household’s assets and future earnings. An umbrella policy may be worth discussing based on your circumstances.
Florida's litigation environment makes umbrella coverage particularly valuable for homeowners and drivers.
Common Questions
Who needs umbrella insurance?
Anyone with significant assets, a pool, trampoline, teenage drivers, rental properties, or a high public profile should consider umbrella coverage.
How much does umbrella insurance cost?
A $1 million umbrella policy typically costs $150–$300 per year. Additional millions of coverage cost less per million.
Ready to Get Covered?
Get a free, no-obligation quote from a local Brevard County agent today.