Umbrella Insurance in Florida – The Marcus Group

Why Umbrella Insurance Matters in South Florida

We live in a litigious society, and lawsuits can financially devastate families and businesses. If your homeowners or auto insurance coverage isn’t enough, an umbrella insurance policy provides an extra layer of protection — keeping your assets, income, and future secure.


At The Marcus Group, we help clients across the entire state of Florida,  protect what they’ve worked hard for. From rental property liability to defamation cases, umbrella insurance provides affordable peace of mind.

Colorful umbrellas suspended overhead in a street setting.
Umbrella Insurance

What Our Umbrella Insurance Covers

Couple walking in rain under umbrella, arm around each other on cobblestone street.

Extended Liability Protection

Picks up where your homeowners, renters, or auto insurance leaves off — covering legal fees and settlement costs.

Rental Property Incidents

Extra protection if a tenant or visitor sues you for injuries or damages.

Legal Actions

Covers lawsuits related to malicious prosecution, wrongful eviction, or false arrest.

Protection against claims of libel, slander, or defamation of character.

Personal Liability

Pain & Suffering Damages

Helps cover costly settlements that go beyond standard policies.

Who Needs Umbrella Insurance in Florida?

While wealthy households often use umbrella policies to protect substantial assets, anyone can be at risk. If you’re sued and don’t have enough insurance, your future income can be garnished to pay damages.



Umbrella policies are ideal for:


  • Families with teenage drivers

  • Homeowners with pools, trampolines, or rental properties

  • Small business owners

  • Professionals concerned about defamation lawsuits

  • Anyone who wants extra peace of mind at a low cost

How Much Coverage Do You Need?

Umbrella policies are surprisingly affordable compared to the financial risks of a lawsuit. To calculate coverage:



  1. Add up your savings, retirement accounts, and physical property.

  2. Estimate your future income potential.

  3. Choose a policy limit that matches your risk profile.

Whether you need $1 million or more in coverage, The Marcus Group will help you choose the right protection.

FAQs – Umbrella Insurance in Florida

  • Does umbrella insurance cover everything?

    No. It extends liability protection beyond home, auto, or renters insurance but doesn’t cover your own property damage or personal injuries.

  • How much does umbrella insurance cost in Florida?

    Premiums are relatively low compared to the coverage provided. Costs depend on your risk level and assets.

  • Can umbrella insurance cover rental property lawsuits?

    Yes. It’s one of the most common reasons property owners buy umbrella coverage.

  • Is umbrella insurance only for wealthy people?

    No. Anyone with income, savings, or assets to protect can benefit.

Protect Your Assets and Future

Get the Right Umbrella Insurance in Florida

No matter your income or net worth, an umbrella policy can help preserve your current and future wealth. With decades of experience and access to top carriers, The Marcus Group makes it simple and affordable to add extra protection.