Florida Umbrella & Excess Liability Insurance

Personal umbrella sits on top of your auto, homeowners, motorcycle, boat, and rental-property liability — picking up where those limits stop when a single incident produces a claim larger than any one policy can absorb. In Florida's plaintiff-friendly liability environment, that case happens more often than people expect. We size the full package across your assets, raise underlying limits where eligibility requires, and quote the umbrella against carriers that write it competitively.

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Personal umbrella in Florida sits on top of the auto, homeowners, motorcycle, boat, and rental-property liability limits — usually starting at $1M and going up to $5M or more — to cover catastrophic liability awards that exceed the underlying limits. Florida First Insurance of Broward writes personal umbrella with carriers comfortable with Florida's plaintiff-friendly liability environment, where third-party bad-faith claims and uncapped non-economic damages can push verdicts well beyond what a 100/300 auto policy can absorb.

Eligibility for umbrella usually requires specific underlying limits — typically 250/500/100 auto, $300K homeowners liability, and matching limits on any additional auto, watercraft, or rental-property exposures. Drivers under 25, watercraft over 50 feet or with high horsepower, and rental properties beyond a modest unit count may need underlying-limit adjustments before the umbrella binds. We size up the package at placement.

Umbrella policies bind for clients across Miami-Dade, Broward, and Palm Beach in the southeast; Collier and Lee in the southwest; Sarasota and Manatee on the Suncoast; Pinellas, Hillsborough, and Pasco around Tampa Bay; Polk, Orange, and Seminole on the I-4 corridor; Brevard and Volusia on the Atlantic; Alachua, Marion, and Duval through North Florida; and Leon and Escambia in the Panhandle.

Personal umbrella is placed for clients in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Umbrella Insurance Cover?

Lawsuits Beyond Policy Limits — Provides coverage that kicks in when you exceed the liability limits on your auto, home, or other policies.
Personal Injury Claims — Covers claims from bodily injury you or family members cause to others, including medical expenses and damages.
Property Damage Claims — Covers claims when you accidentally damage someone else's property beyond your primary policy limits.
Legal Defense Costs — Covers attorney fees and court costs associated with defending a covered claim.