Florida · Umbrella Insurance
Florida Umbrella Insurance
Extra $1M-$5M+ of liability protection that kicks in after your home/auto limits exhaust. Typical Florida premium is approximately $488/year.
Avg Premium
$488/yr
Risk Score
93/100
Consumer Protection
66/100
No-Fault
Yes
Coverage requirements in Florida
Florida requires minimum liability limits of 10/20/10 under its no-fault system. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Excess Liability — Additional coverage above auto/home liability limits.
- Worldwide Coverage — Most policies apply globally.
- Defense Costs — Legal fees often paid outside the coverage limit.
Top Florida savings opportunities
- Bundle with home/auto carrier
- Right-size to net worth
Common exclusions
- Business activities
- Intentional acts
- Owned aircraft