Home, auto, renters and watercraft policies all have liability limits. A personal umbrella policy adds a layer of protection above those limits, helping shield you from large claims and lawsuits.
Homeowners, boat owners, landlords and families with teen drivers.
Pools, docks and boats raise liability exposure — common on the Treasure Coast.
Typically requires minimum underlying auto and home limits.
Protect your financial livelihood
An umbrella policy covers liability costs that exceed your existing policy limits. If you cause an accident and the other driver’s medical bills exceed your auto policy’s limit, your umbrella policy can help pay the difference.
- Higher limitsCoverage typically starts at $1 million and sits above your underlying policies.
- Broader protectionMay include claims like libel or slander that your other policies exclude.
- Asset protectionHelps protect your home, savings, retirement accounts and future income.
Personal Umbrella insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with personal umbrella insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
How much umbrella coverage do I need?
A common starting point is enough to cover your net worth and future earnings. Most people start with $1 million and add more if they have significant assets or higher exposures like a boat or pool.
Ready for your personal umbrella quote?
Free, no-obligation, and compared across multiple carriers.