Extra Protection for Life’s Storms—
Umbrella Insurance in North Florida
When Standard Insurance Isn’t Enough,
an Umbrella Policy Has You Covered
Imagine a serious car accident on I-10 or an injury at your home—if you’re sued for more than your auto or homeowners liability covers, your savings, home, and even future wages could be at risk. That’s where umbrella insurance steps in: adding $1 million or more in extra liability protection on top of your existing policies. Proper Insurance Advisors helps Florida families, landlords, business owners, and anyone with assets to protect stay safe from life’s worst-case financial scenarios.
What Does Umbrella Insurance Cover?
Excess Liability
Provides additional coverage above your home, auto, or rental property policy limits—covering bodily injury, property damage, legal costs, and more.
High-Limit Lawsuits
If you’re found liable for a major accident (car, boating, property), the umbrella covers judgments, settlements, and legal fees beyond your base policy’s limits.
Wide-Ranging Scenarios
Ideal for families with teenage drivers, rental property owners, pool owners, pet owners, or anyone at risk for larger claims.
Not Just for the Wealthy—Protection for Everyday Life
Umbrella insurance isn’t just for high-net-worth individuals. Middle-class families, homeowners, and landlords all face risks that can lead to large lawsuits—think distracted driving, a serious accident during a gathering, or a rental property claim. With coverage starting around $15–$20 a month for $1 million, umbrella protection is affordable peace of mind for nearly anyone.
Million-Dollar Coverage for the Cost of a Pizza
Most $1 million umbrella policies cost just a few hundred dollars per year—especially when combined with your existing auto or home insurance. Our team will compare top-rated umbrella carriers and tailor coverage based on your assets, risk factors, and goals.
Expert Help—
Set Up the Right Umbrella Policy
Proper Insurance Advisors ensures your underlying policies meet the required limits, then recommends how much extra protection you may need. Own a rental property, have a pool, or a teen driver? We’ll walk through the “what-ifs” to set the right liability level for your family or investments. We’re with you through every step—from quote to claims support.
Umbrella Insurance—Your Questions, Answered
How does umbrella insurance work, and do I need it in Florida?
Umbrella insurance provides extra liability coverage above your auto, home, or rental property policies—vital in lawsuit-heavy states like Florida, especially for homeowners and drivers.
Who should consider an umbrella insurance policy?
Anyone with a home, assets, teen drivers, rental properties, or who entertains guests. If a major claim could affect your finances, umbrella coverage is a wise choice.
How much umbrella coverage should I carry?
Most policies start at $1 million, but we’ll assess your risk factors and recommend a limit that fits your needs—many choose $2–$5 million for extra security.
Does Proper Insurance Advisors help with umbrella claims?
Absolutely—our local team is here to guide you through the process if you ever need to use your umbrella policy.
Get Extra Liability Protection—Ask About Umbrella Insurance Today
One accident shouldn’t ruin your future. Secure your home, savings, and peace of mind with a tailored umbrella policy from Florida’s trusted insurance advisors.
