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Protect yourself from extraordinary losses your other policies may not cover with an umbrella insurance policy.
Davie and the greater Broward County area, Fort Lauderdale and Davie are just a few of the cities we serve, we have clients all throughout the state of Florida that are covered through our liability agency.
Umbrella insurance is an extra liability insurance policy that goes beyond the limits of your homeowners, auto, or watercraft policies. Umbrella insurance policies may even provide coverage for injuries, property damage, certain lawsuits, and personal liability situations; like paying for your defense in a lawsuit.
All it takes is a phone call
An example of this type of coverage: If your auto policy will only pay out liability damages up to $500,000, an umbrella policy could extend that amount to a million dollars or more. Keep in mind that the cost is relatively inexpensive compared to the value it offers. Our team in Davie and the greater Broward County area can help you determine the right coverage for you
How We Can Help
You may think you have enough insurance now to cover yourself. Given some of today’s enormous jury awards, better think again. An umbrella policy is peace of mind. Contact us for more information about the insurance policies we offer in the Davie and the greater Broward County area.
Umbrella Insurance FAQ
- What is umbrella insurance and how does it work?
Umbrella insurance provides additional liability protection beyond the limits of your existing homeowners, auto, boat, or other liability policies. It helps protect personal assets against large lawsuits and liability claims.
- Who should consider umbrella insurance in South Florida?
Homeowners, business owners, boat owners, landlords, high-net-worth individuals, and families with significant assets often benefit from umbrella insurance coverage.
- How much umbrella insurance do I need?
Coverage needs vary based on your assets, income, future earnings, and overall liability exposure. Many individuals purchase between $1 million and $5 million in additional liability protection.
- Does umbrella insurance cover legal fees?
Yes. Many umbrella policies help cover legal defense costs associated with covered liability claims.
- Does umbrella insurance cover my boat?
In many cases, umbrella insurance can extend liability protection over an underlying boat insurance policy if eligibility requirements are met.
- What is not covered by umbrella insurance?
Most umbrella policies do not cover intentional acts, criminal activities, personal property damage, or business-related liabilities unless specifically endorsed.
- Is umbrella insurance worth it in Florida?
Many Florida residents find umbrella insurance valuable because of the state’s high litigation environment and potential exposure to costly lawsuits.
- Can umbrella insurance protect my future earnings?
Yes. Umbrella insurance may help protect current assets and future income from large liability judgments exceeding underlying policy limits.
Personal Lines
