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Florida Personal Liability Umbrella Insurance for Extra Peace of Mind

Protect yourself beyond standard limits. Florida umbrella insurance gives you affordable excess liability coverage for your home, auto, and rental properties.

What Is a Personal Umbrella Policy?

A personal liability umbrella policy provides extra liability coverage above the limits of your home and auto insurance. This means you’re protected when the unexpected happens—like a major accident or lawsuit—without risking your savings, property, or future income.

Our Florida umbrella insurance can cover:

  • Additional liability for home, condo, and auto policies

  • Liability claims involving rental properties (if guidelines are met)

  • Legal defense costs in excess of your base policy limits

  • Large claims that could exceed standard coverage

Why Florida Umbrella Insurance Matters

Florida is known for unpredictable weather and a high number of liability claims. A personal umbrella policy is an affordable way to add an extra layer of protection, especially if you:


  • Own a home, condo, or rental property in Florida

  • Drive frequently or have youthful drivers on your policy

  • Have significant assets to protect

  • Want peace of mind in case of a major lawsuit

Did you know?
To qualify for umbrella coverage, you must maintain certain minimum liability limits on your home and auto policies. We’ll help you review your current coverage and make sure you qualify.

Who Needs a Personal Umbrella Policy in Florida?

Umbrella insurance isn’t just for high-net-worth households. Consider adding umbrella coverage if you:


  • Own property or rental units in Florida

  • Host guests, parties, or pool activities

  • Drive regularly or have teen drivers

  • Want extra liability protection without a high price tag

Your driving record and age will affect your umbrella policy cost, but rates are usually very affordable compared to the coverage provided.

PERSONAL LIABILITY UMBRELLA INSURANCE

Frequently Asked Questions

  • What does a personal umbrella policy cover in Florida?

    It covers excess liability claims that go beyond your home or auto policy limits, including injury, property damage, and certain lawsuits.

  • Do I need a certain amount of liability coverage to qualify for umbrella insurance?

    Yes. Florida insurers require you to carry minimum liability limits on your home and auto policies before adding umbrella coverage.

  • Can umbrella insurance cover rental properties?

    Yes, as long as your rental property policy meets the required liability guidelines.

  • How much does personal umbrella insurance cost in Florida?

    Most policies are affordable—often just a few hundred dollars a year for $1 million or more in additional coverage.

  • How do I get a personal umbrella insurance quote in Florida?

    Contact us by phone or online for a quick review and custom umbrella insurance quote.

Get Extra Liability Protection Today

Enhance your home, savings, and lifestyle with the right personal umbrella insurance in Florida. American Insurance Agency makes it easy and affordable to add extra protection, with personal service every step of the way.

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