Umbrella Insurance
An umbrella policy adds an extra layer of liability protection once your home, auto, or boat policy limits run out. Our local agents help Florida families compare umbrella coverage from multiple carriers so a single lawsuit or major claim doesn't put savings, property, or future earnings at risk.
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What Is Umbrella Insurance?
Umbrella insurance is a standalone liability policy that sits on top of your existing home, auto, or boat coverage. It doesn't pay for damage to your own property. It extends the liability portion of your other policies once those limits are used up, and in some cases covers claims those policies exclude altogether.
As an independent insurance agency, Bay Road helps you compare umbrella policies from multiple carriers so your added coverage lines up with what you actually own and how much risk you're carrying.
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What's Typically Covered?
An umbrella policy is built to extend the liability protection you already carry across your other policies.
Extended Liability Limits
Helps cover liability claims that exceed the limits on your underlying home, auto, or boat policy, often in increments of $1 million or more.
Bodily Injury Protection
May help cover medical costs and legal expenses if you're found responsible for someone else's injury, on or off your property.
Property Damage Liability
Helps cover the cost of damage you're responsible for to someone else's property beyond what your primary policy pays.
Personal Liability Away From Home
Can extend liability protection to incidents that happen away from your property, subject to policy terms.
Legal Defense Costs
May help cover the cost of defending a covered lawsuit, even if the claim is later found to be without merit.
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Frequently Asked Questions
What does umbrella insurance cover?
An umbrella policy generally extends the liability coverage on your home, auto, or boat policy once those limits are used up, and can cover certain liability claims your primary policies exclude. It does not cover damage to your own property.
How much does umbrella insurance cost?
Cost depends on the coverage amount, your underlying policies, and your risk profile, including any boats, rental properties, or teen drivers on the account. Rates typically start relatively low for the first $1 million in added coverage.
Do I need umbrella insurance if I already have home and auto coverage?
If your assets or liability exposure, such as boat ownership, exceed the liability limits on your existing policies, an umbrella policy adds a layer of protection those policies alone may not provide.
How much umbrella coverage should I carry?
A common guideline is to carry umbrella coverage at least equal to your net worth, though the right amount depends on your assets, income, and risk factors. A local agent can help you estimate a reasonable limit.
Does umbrella insurance cover my boat?
It depends on the policy and whether your boat is already listed on an underlying policy. Since several of our offices serve boating communities in the Keys, we can review your boat coverage separately to confirm what an umbrella policy would and would not extend.
How do I get an umbrella insurance quote?
Request a quote online or call a local Bay Road agent. We'll review your current home, auto, and boat coverage to determine how much added liability protection makes sense.
Umbrella Insurance Near You
Our local agents help clients throughout the communities we serve.
Umbrella Insurance Boca Raton
Umbrella Insurance Deerfield Beach
Umbrella Insurance Marathon
Umbrella Insurance Plantation
Umbrella Insurance Port St. Lucie
Umbrella Insurance Big Pine Key
Umbrella Insurance Key Largo
Get A Quote From A Local Agent
Compare coverage options from trusted carriers with help from a local insurance professional.
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