Florida Umbrella Insurance


If your needs exceed those covered by a standard personal insurance policy, umbrella insurance may be for you.

What does Umbrella Insurance cover?

Umbrella policies extend limits of insurance to provide additional coverage when your primary personal policy limits are exhausted. In a major bodily injury or property damage liability occurrence your primary Home, Auto, Motorcycle and RV policy limits might not be enough to cover the damages. When this is the case, having these additional Umbrella limits is key to protect your family financially.

Why should you purchase Umbrella Insurance?

You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future. Contact St. Johns Insurance today for more information on umbrella policies and get a free online quote!