Households
Personal umbrella insurance in Florida
A personal umbrella sits on top of your home, auto and watercraft liability. After those limits are used on a covered claim, the umbrella pays up to its own limit. Insurers require minimum underlying limits on each policy.
How the layers work
If a covered judgment exceeds your auto liability limit, the auto policy pays its limit and the umbrella can pay the rest, up to the umbrella limit.
What insurers ask
- Household drivers and records
- Homes, rentals and land
- Boats, jet skis, golf carts
- Pools, trampolines and dogs
- Current underlying limits
- Board seats and business activity
Common exclusions
Business activities unless added, intentional acts, your own injuries and property, and some aircraft and large watercraft.
Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.
Common questions
Does an umbrella cover my own injuries?
No. It covers your liability to others.