How much umbrella insurance do you need?

Choose a limit by adding up what a lawsuit could reach (savings, equity, investments and future earnings) and adjusting for risk factors like teen drivers, boats, pools and rentals. Many households start at $1 million and add in $1 million steps.

A quick worksheet

Add up assets a judgment could reach; ask an attorney which Florida law protects
Consider future income
Count risk factors
Compare prices for $1M, $2M and $3M

Not legal advice

Florida has its own asset-protection rules. For legal questions, talk to an attorney.

Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.

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Or call (813) 291-3484.

Common questions

Is $1 million enough?

For many households it's a starting point.