Extra Liability Protection With
Florida Umbrella Insurance

How It Works (Florida Applicants)

• 1. Primary Policies First Umbrella policies only activate after your auto/home liability limits are used. For example, after a $500k car-liability payout, your umbrella kicks in for remaining amounts.
• 2. Minimum Underlying Coverage Required Most Florida insurers require auto liability limits of around $250k/$500k per accident and home liability of $300k before offering umbrella coverage.
• 3. Self-Insured Retention (SIR) Some umbrella claims for risks not covered by primary policies (like libel) may require a small deductible—often around $1,000—before umbrella coverage begins.

What's Covered—and What’s Not

Covered:

• Excess liability for bodily injury and property damage
• Legal defense fees and court costs
• Personal injury claims (libel, slander, defamation)
• False arrest, detention, or malicious prosecution
• Worldwide incidents and landlord/rental exposures

Not Covered:

• Intentional or criminal acts
• Business-related liabilities (use business umbrella if needed)
• Primary policy gaps that don't meet SIR (e.g. excluded risks)

Cost & Value

• Affordable Protection In Florida, a $1 million umbrella policy typically ranges between $150–$300 annually, with each additional million costing an extra ~$75–$150.
• High ROI Defense fees alone can exceed the cost of a policy. Umbrella coverage protects against wage garnishment or draining your retirement savings Florida Risk Partners.