Umbrella insurance in Florida provides an extra layer of liability protection when your home or auto insurance limits are not enough. A serious accident or lawsuit can quickly exceed standard policy limits, putting your savings, home, and future income at risk.
Atlantis Insurance Inc helps individuals and families protect their assets with personal umbrella insurance designed to cover large liability claims and unexpected legal costs.
Without adequate liability protection, a single lawsuit could put your home, savings, and future income at risk.
🛡️ WHAT IS UMBRELLA INSURANCE?
Umbrella insurance works by extending liability coverage beyond your existing home, auto, or condo insurance policies. Once those limits are exhausted, your umbrella policy provides additional protection.
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Property Damage Liability
Risk Factor
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Solution
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
Bodily Injury Liability
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
Lawsuits
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Watercraft Liability
Risk Factor
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
Solution
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Umbrella insurance may protect you in situations such as:
A major car accident where damages exceed your policy limits
A guest injured at your home resulting in a lawsuit
A dog bite liability claim
Property damage caused by you or a family member
Personal liability claims such as defamation or slander
Without umbrella insurance, you could be responsible for these costs out of pocket.
💡 HOW MUCH COVERAGE DO YOU NEED?
People always ask: “How much do I need?”
Most umbrella policies start at vc_column_text million in coverage and can increase based on your assets.
⚠️ IMPORTANT REQUIREMENTS
To qualify for umbrella insurance, most carriers require minimum liability limits on your underlying policies, such as:
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Homeowners liability (typically
Who does an umbrella insurance policy cover?
If you have umbrella insurance, it may cover members of your family or household. Be sure to understand who is covered by your specific policy when looking for coverage for your unique situation.00,000+)
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Auto liability (higher limits required)
🏆 Who Should Consider Umbrella Insurance?
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Homeowners
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Condo owners
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Landlords
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High-income individuals
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Anyone with savings or assets to protect
🏆 WHY CHOOSE ATLANTIS INSURANCE INC
✔ Serving Florida clients since 2009
✔ Independent agency (we shop multiple carriers)
✔ Personalized liability protection strategies
✔ Fast quotes and responsive service
✔ Expertise in asset protection
Umbrella insurance works alongside homeowners insurance, auto insurance, and condo insurance to provide complete protection.
https://www.atlantisinsurance.com/personal-insurance/home-insurance/
https://www.atlantisinsurance.com/personal-insurance/condo-insurance/
https://www.atlantisinsurance.com/personal-insurance/auto-insurance/
Protect your assets before a claim happens. Get a fast, personalized umbrella insurance quote in Florida today.
👉 Call: 561-983-4333
👉 Request a Quote
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