Florida Homeowners: Why You Should Consider Umbrella Insurance

Umbrella insurance adds liability coverage beyond what standard home and auto policies offer. Umbrella insurance provides an additional layer of protection against unexpected financial burdens, particularly in Florida, where legal claims and settlement costs can be high.

An umbrella policy is a form of insurance that covers legal expenses, medical costs and property damage that goes over the limits of existing underlying policies. So if, say, a guest gets hurt on your property and files a damages suit against you, umbrella coverage takes effect after your homeowners policy has maxed out.

Liability claims can be particularly concerning for Florida homeowners with rental properties, pools, or high-value vehicles. Umbrella insurance provides an extra layer of protection, helping to safeguard your finances against a large claim.