Umbrella Insurance in Florida

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Extra Protection When You Need It Most

Sometimes, the unexpected goes beyond your standard policy limits. That’s where umbrella insurance comes in. It adds an extra layer of liability coverage on top of your auto, home, or boat policy—so you’re not left paying out of pocket if something big happens. We help Florida families and business owners stay protected with flexible umbrella coverage from top-rated carriers.

What’s Typically Covered

Umbrella insurance kicks in when your primary coverage runs out. It can help with:

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Injury claims beyond the limits of your home or auto policy

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Lawsuits involving property damage, slander, or personal liability

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Legal defense fees not covered by your base policy

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Claims made against you while traveling

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Rental property liability, if you're a landlord

This type of policy doesn’t cover everything—but it can be a financial lifesaver when the unexpected hits hard.

Who Needs Umbrella Insurance?

Umbrella insurance is a smart choice if you:

  • Own property or multiple vehicles
  • Have significant assets or savings
  • Host guests or parties at your home
  • Have a swimming pool or trampoline
  • Own rental properties or vacation homes
  • Want peace of mind against legal claims
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Why Choose Insured Choice for Umbrella Coverage

01

Clear Advice, No Confusion

We’ll explain where umbrella coverage begins and ends, so you know exactly what you’re getting.

02

Multiple Carriers, Smarter Rates

We shop top-rated insurers to find strong coverage at competitive prices.

03

Protection That Keeps Up With You

As your assets grow or life changes, we’ll adjust your coverage so you’re never caught underinsured.

FAQs About Umbrella Insurance in Florida

  • What does umbrella insurance actually do?

    It provides extra liability protection beyond your standard policies—for big claims, lawsuits, or expensive accidents.

  • How much umbrella insurance should I get?

    Most people start with $1 million in coverage. We’ll help you decide based on your assets and risks.

  • Is umbrella insurance expensive?

    Not usually. For the amount of protection it offers, umbrella coverage is surprisingly affordable.

  • Does umbrella coverage work with my auto and home policies?

    Yes. It extends the liability coverage on your existing policies once those limits are exhausted.

  • Do I need to have my other policies with the same company?

    Often, yes. Most insurers require you to bundle underlying coverage. We’ll help make sure everything lines up.

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Let’s Add the Coverage You Didn’t Know You Needed

Umbrella insurance is one of the easiest ways to protect your finances from major claims. Let us help you decide if it’s a good fit for you.