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Umbrella & Excess Liability Insurance in Florida
When Standard Liability Limits Aren’t Enough
Home, auto, boat, and other personal policies all include liability coverage — but serious accidents and lawsuits can exceed those limits quickly. Umbrella and excess liability insurance adds an extra layer of protection on top of your existing policies, increasing your liability limits by $1 million or more. It’s designed to protect your assets, income, and future when the unexpected happens. We help Florida families understand how umbrella coverage works and choose limits that make sense for their real-world risks.
How Umbrella & Excess Insurance Works
Additional Liability Coverage
Umbrella insurance sits over your existing home, auto, watercraft, and other liability policies, providing higher limits once those underlying limits are exhausted.
High Coverage Limits
Policies typically start at $1 million and can extend higher depending on your needs, assets, and risk profile.
Personal Injury Protection
May include coverage for claims like libel, slander, defamation, or false arrest — protections not always included in standard policies.
Underlying Policy Requirements
Most umbrella policies require certain liability limits on your auto, home, or boat policies. We review these requirements and help align everything properly.
Umbrella vs. Excess Liability
Umbrella policies often broaden coverage across multiple policies, while excess liability typically increases limits on a specific policy. We help you choose the right structure.
Florida Risks That Make Umbrella Coverage Worth Considering
Florida’s lifestyle comes with unique liability exposures — boating and watercraft activity, golf carts and low-speed vehicles in gated communities, swimming pools, frequent guests, teen drivers, and higher lawsuit severity. From neighborhoods near Jupiter Inlet and the Jupiter Lighthouse to communities in Abacoa, Palm Beach Gardens, Tequesta, Juno Beach, and West Palm Beach, umbrella coverage adds a higher liability ceiling that protects what you’ve built. Whether your risks are local or statewide — from Miami–Fort Lauderdale to Orlando, Tampa–St. Pete, Jacksonville, Naples, Sarasota, Tallahassee, or Gainesville — we tailor coverage to how you actually live.
Our Process
1
Review your current home, auto, and recreational policies
2
Identify realistic liability exposures
3
Compare umbrella and excess options from multiple carriers
4
Explain limits and requirements in plain English
Umbrella vs. Excess Liability
— What’s the Difference?
The table below helps clarify which option may be right for you.
| Feature | Umbrella Insurance | Excess Liability |
|---|---|---|
| Coverage Scope | Broad, multiple policies | One specific policy |
| Coverage Expansion | Often broader than underlying | Usually limits only |
| Common Starting Limit | $1 million | Varies |
| Best For | Multiple exposure types | Single high-risk policy |
| Personal Injury Coverage | Often included | Usually not included |
Not sure which option fits your situation? We’ll walk you through it.
Common Questions About Umbrella Insurance in Florida
Do I need an umbrella policy in Florida?
If you have assets to protect or multiple liability exposures, umbrella insurance is often a smart addition.
How much umbrella insurance should I carry?
Coverage is typically based on your assets, income, and risk factors. Many Florida families start at $1 million and adjust from there.
What’s the difference between umbrella and excess liability?
Umbrella policies add broader protection across multiple policies, while excess liability increases limits on one specific policy.
Does umbrella insurance cover golf cart or boat accidents?
Often yes, as long as those underlying policies meet required limits. We’ll verify and structure coverage correctly.
How do I get a $1 million umbrella policy in Florida?
The process is straightforward. We review your existing policies, confirm required limits, and shop multiple carriers for you.
Add a Higher Liability Ceiling with Confidence
Umbrella and excess insurance doesn’t have to be complicated. We quote coverage the way we’d quote it for family — clear limits, no guesswork, and coverage matched to your real risks. Our Jupiter-based team serves clients across Florida & Beyond with personal guidance, fast follow-up, and simple document upload when needed.
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