A serious accident or lawsuit can exceed the liability limits on your auto or home policy. A personal umbrella policy adds an extra layer of liability protection above those policies, commonly in amounts of $1 million or more. Dupuy Insurance helps Florida households decide whether an umbrella makes sense and how much to carry.
How an umbrella works
- It pays after your underlying auto, home or boat liability limits are used up, for covered claims.
- It may also cover some claims your other policies don’t, depending on the policy.
- Carriers usually require minimum liability limits on your auto and home policies first.
Who often considers one
Homeowners, families with teen drivers, people with a pool, a boat or rental property, and anyone with savings or future income to protect.
Common questions
How much umbrella coverage should I get?
Umbrella limits are usually sold in $1 million amounts. Many people choose a limit based on their savings, home equity and future income. We can price more than one limit so you can compare.
Do I need to change my auto and home policies first?
Possibly. Carriers require minimum liability limits on the policies underneath. If yours are lower, we’ll show you the change needed and what it costs.
Does a personal umbrella cover my business?
Generally not. Business activities need business coverage, and a commercial umbrella adds limits above business policies.
Call (813) 447-7534, Monday to Sunday, 7:30 AM to 7:30 PM, or send us a request online. Having your current auto and home declarations pages helps.
Personal umbrella quotes are for Florida residents. Coverage is subject to eligibility, underwriting and policy terms.