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Umbrella Insurance Coverage Options in Florida
Understanding your coverage options is the first step to protecting yourself and your assets. Here's what umbrella insurance typically includes in Florida:
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Excess Liability
Kicks in when your underlying auto or home liability limits are exhausted.
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Broader Coverage
Covers some claims that your underlying policies may exclude, like libel or slander.
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Asset Protection
Protects your savings, home equity, and future earnings from large lawsuits.
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Multiple Properties
One umbrella policy can cover liability across your auto, home, and rental properties.
Florida Umbrella Insurance Requirements
Umbrella insurance is not required by law but is highly recommended for anyone with significant assets to protect. Most umbrella policies start at $1 million in coverage and require minimum underlying limits on your auto and home policies.
How Much Does Umbrella Insurance Cost in Florida?
Umbrella insurance is surprisingly affordable. A $1 million umbrella policy typically costs $150-$300/year. Each additional million is usually $50-$100 more. It's one of the best values in insurance.
Why Choose ATSI for Umbrella Insurance in Florida?
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5+ Carriers Compared
We shop your rate across more than 15 top insurance companies to find you the best deal.
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Quick Quotes
Get your personalized quote in minutes, not hours. We respect your time.
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Local Expert Agent
Talk to a real person who understands Florida's unique insurance landscape.
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Save 20-30%
Our clients save an average of 20-30% when switching from single-carrier agents.