Personal Umbrella Insurance in Florida

Extra Protection for Your Peace of Mind

Smart, High‑Coverage Protection From a Florida Independent Insurance Agency

At FLORIDA WE INSURE AGENCY, we know that when accidents happen, standard home or auto policies may not offer enough protection. That’s why we offer personal umbrella insurance across Florida, working with 30+ top‑rated carriers to provide additional liability limits, so you and your loved ones are covered against major risks.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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What Your Florida Umbrella Policy Should Cover

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Additional Liability Protection Above Standard Limits

If a liability claim exceeds your auto, home, or boat policy limits, umbrella insurance provides extra financial coverage — protecting you from major lawsuits or unexpected liability claims.

Legal Defense & Lawsuit Costs

Helps cover legal fees, court costs, and any judgments against you if you’re sued for bodily injury, property damage, or other covered liability — protecting your personal assets.

Coverage Across Multiple Policies & Assets

Applies to multiple insured properties and vehicles — including homes, rental properties, autos, boats, and recreational vehicles — giving broad protection under one policy.

Worldwide Coverage (Optional)

Many umbrella policies extend liability protection beyond Florida — valuable if you travel or own property/ assets out of state or abroad.

Add-ons

Add‑Ons & Optional Coverage That Complement Your Umbrella

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Excess Liability for Home & Auto 

Boost coverage beyond standard policy limits for maximum protection.

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Guest Medical Protection

Covers medical costs for guests injured on your property, even if you’re not at fault.

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Legal Defense Add-On

Ensures your attorney and legal costs are covered in lawsuits, separate from judgment payouts.

Ask About Umbrella Add-Ons & Custom Coverage

Florida’s weather, traffic, and coastal lifestyle can heighten liability risks — hurricanes, storms, accidents, watercraft incidents, and high property values. Standard policies may not be enough if a major event occurs. Personal umbrella insurance gives that extra layer of protection so one lawsuit or catastrophic loss doesn’t threaten everything you’ve built.

Why Choose FLORIDA WE INSURE AGENCY for Your Umbrella Insurance

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30+ Florida Carriers Compared

We find the best umbrella and liability protection at competitive rates.

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Tailored to Florida Risks & Lifestyle

We understand coastal hazards, watercraft liability, high property values, and multi‑asset exposure — and build coverage accordingly.

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Annual Policy Re‑Shopping

We re‑evaluate your policy every year to make sure you’re getting top coverage for the best price.

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Free Legal Support for Claims Disputes

If a claim triggers a legal battle, our in‑house legal team will advocate for you at no cost.

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Real Florida Agents, Not Call Centers

Get personal service from agents familiar with Florida laws, weather risks, and asset protection strategies.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Personal Umbrella Insurance FAQs

  • What is a personal umbrella insurance policy, and why do I need it?

    A personal umbrella policy provides additional liability coverage beyond what your home, auto, or other policies offer — protecting you if you’re sued for damages or legal judgments that exceed standard coverage limits.

  • Does umbrella insurance cover liability from boats, RVs, and rental properties in Florida?

    Yes — umbrella policies can extend across multiple assets, including boats, RVs, rental properties, and additional homes. It offers broad protection for homeowners with diverse assets or properties in high-risk areas.

  • How much coverage should I buy for an umbrella policy in Florida?

    Coverage needs vary — many clients choose $1M to $3M limits based on asset value, liability exposure, and lifestyle. We’ll help you assess your risk and recommend a coverage amount that suits you.

  • Can I add umbrella coverage even if I’m not a high‑net‑worth individual?

    Absolutely. Umbrella policies are valuable for many homeowners and renters — especially in Florida where weather, water risks, and liability exposure are elevated.

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Service areas

Areas We Serve — Umbrella Insurance Across Florida

We provide personal umbrella insurance statewide — including.

No matter where you live, we’ll help you lock in strong liability protection for your home, vehicle, and assets.

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Umbrella Insurance in St. Augustine

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Umbrella Insurance in Jacksonville

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Umbrella Insurance in Tampa

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Umbrella Insurance in Sarasota

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Umbrella Insurance Across Florida

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Protect What Matters With Complete Liability Coverage

Protect your home, cars, and active lifestyle with added coverage from a personal umbrella policy.