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Auto insurance for Florida drivers. Florida's required minimums may leave gaps, so we compare carriers and help you review higher liability limits and other coverages.
Auto InsuranceSouthwest Florida
Umbrella, Excess and Personal Liability Insurance in Bonita Springs, Naples, Fort Myers and Estero
Umbrella and excess liability policies may provide $1 million or more of additional liability coverage above the limits of your home, auto and other policies. If you don't have an underlying policy, a standalone personal liability policy may be an option with some carriers, subject to eligibility, underwriting and policy terms.
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What happens next
- 1 We compare your details with carriers that offer umbrella and personal liability coverage.
- 2 We come back with your options, usually the same business day.
- 3 You decide. No obligation, and we do not sell your information.
How it works
How an umbrella policy may work with your home and auto policies
Your home and auto policies typically respond to a liability claim first, up to their limits. An umbrella may then pay covered amounts above those limits, up to the umbrella limit and subject to policy terms. Here is an example of how the layers could work.
Example only: a $300,000 home and auto liability limit, a $1 million umbrella limit and a $900,000 judgment.
- Home and auto policies pay
- $300,000
- Umbrella pays
- $600,000
- Amount above all limits
- $0
Example only, not a prediction of any claim outcome. Real claims involve defense costs, exclusions, multiple policies and each carrier's terms. An umbrella may require minimum underlying limits, and a claim may not be covered at all. This is not legal advice.
Underlying limits
Underlying limits an umbrella may require
An umbrella typically responds only after your underlying policies' limits are exhausted, so carriers generally require those policies to meet minimum limits first. Requirements vary by carrier. These are the areas we typically review.
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Homeowners liability
Carriers may require $300,000 or more of liability coverage on each home, though requirements vary. -
Auto bodily injury liability
Carriers typically require bodily injury limits well above the state minimum. Requirements vary by carrier. -
Household drivers
Carriers may require every household driver to be listed, including teens and anyone who drives regularly. -
Rental properties
Landlord liability is typically needed on each property you rent out, subject to carrier eligibility. -
Boats and watercraft
A separate liability policy may be required, with limits and eligibility set by the carrier. -
Golf carts
Liability coverage may be needed if the cart leaves your property, subject to carrier rules.
Carrying Florida's minimums today? We can review options for raising your underlying limits and request an umbrella quote at the same time, subject to carrier eligibility and underwriting. Call (239) 495-0805.
What an umbrella may cover
What an umbrella may cover, and what it typically does not
May be covered
- Bodily injury to others. Injuries to others for which you are legally liable, subject to policy terms.
- Property damage. May apply to damage you cause to other people's property, subject to policy terms.
- Defense costs. Legal defense costs, which some policies pay in addition to the limit and others pay within it. Confirm with the carrier.
- Personal injury. Claims such as libel and slander, where the policy form includes them.
Typically Not Covered
- Business and professional activities. Typically excluded, though separate coverage may be available.
- Intentional or criminal acts. Typically excluded.
- Your own injuries and property. Typically addressed by other policies.
- Contractual liability. Liability you assume under a contract may be limited or excluded.
Umbrella terms vary by carrier, and exclusions apply. We can review the policy details with you before you buy, and the policy form controls what is covered.
Homeowners and landlord coverageGolf carts and second homes
Golf cart and second home liability in Southwest Florida
In 55+ and gated communities, a golf cart is often a second vehicle, and it may be an overlooked liability exposure. An owner may be held responsible when someone they lend a cart to causes a crash, and a homeowners policy may not cover a cart driven away from the property.
- Second and seasonal homes
- A home left vacant for months may still create liability exposure, such as from a pool, dock or contractor on site. Some policies restrict coverage for vacant or unoccupied homes, so review the terms.
General information only, not legal advice. Coverage varies by carrier and policy form.
How carts may be covered
Depending on the carrier, golf cart liability may be offered on its own policy or added to another, and an umbrella carrier may require it either way. We can help review which setup applies to you, subject to carrier availability.
Common questions
Umbrella insurance, answered
What does umbrella insurance cover?
Umbrella and excess liability policies may cover liability above the limits of your home and auto policies: injuries to others and damage to their property for which you are legally liable, subject to policy terms. Some policies pay defense costs in addition to the limit, and others pay them within it. They typically do not cover your own injuries, your own property or business activities, and exclusions apply.
How much umbrella insurance do I need in Florida?
It depends on your assets and exposures, such as second homes, rental properties, land and savings. Umbrella limits may start at $1 million, and additional coverage may be available in increments, subject to carrier availability. We can review options with you. This is not legal advice.
How much does umbrella insurance cost?
Cost depends on your household: the number of drivers, homes, rentals, boats and golf carts to be covered, along with carrier underwriting. Additional limits may cost less per million than the first, though pricing varies. Quotes are not guaranteed.
What underlying limits do I need?
The carrier sets them, and they are typically well above the state minimums. Some carriers require around $300,000 of homeowners liability plus substantial auto bodily injury limits, though requirements vary. We can review your current policies before requesting a quote.
Does umbrella insurance cover rental property?
Sometimes, typically when each rental carries its own landlord liability policy underneath, subject to carrier eligibility. Tell us about every property you rent out, including seasonal rentals.
Does an umbrella cover my teenage driver?
Drivers listed on your auto policy may be included, subject to policy terms. A young driver may raise the umbrella premium, and some carriers apply additional requirements.
Does umbrella insurance cover golf carts?
It depends on the carrier. Some require separate golf cart liability underneath, and some exclude carts altogether. We can help review your situation before you buy.
Does homeowners insurance cover my golf cart?
Often only on your own property, and in some cases not at all once a cart is used on community roads, depending on the policy. Review your policy terms before relying on it.
Is personal liability already in my homeowners policy?
Yes, typically, up to that policy's limit and for the incidents it covers. An umbrella sits above your underlying policies and may respond to claims once those limits are exhausted, subject to policy terms.
Coverage is subject to policy terms, exclusions and carrier underwriting. General information only, not legal, tax or investment advice.
Ready to compare umbrella quotes?
Tell us about your household, homes and vehicles. We will review your underlying limits and request umbrella quotes from the carriers we work with, subject to eligibility and underwriting.
Other coverage we offer
Homeowners Insurance
Homeowners coverage for your property. We compare carriers for standard homes, and we may be able to find options for older roofs, non-renewals, and homes looking for an alternative to Citizens.
Homeowners InsuranceManufactured Home Insurance
Manufactured and mobile homes: park or private land, tie-downs, roof age and occupancy can all affect which carriers will write your home. We work with carriers that insure these homes and compare your options.
Manufactured Home Insurance