Personal Umbrella Insurance in Florida – The Marcus Group
Why Personal Umbrella Insurance Matters in Florida
Even the most careful individuals can face unexpected accidents or lawsuits. In today’s world, a single claim — from a car accident, dog bite, or slip-and-fall — can exceed the limits of your home or auto insurance policy.
That’s where
personal umbrella insurance comes in.
At
The Marcus Group, we provide affordable umbrella insurance coverage for families in Florida, adding an essential layer of protection for your assets, savings, and peace of mind.
Personal Umbrella Insurance
What Our Personal Umbrella Insurance Covers
When you add umbrella coverage with The Marcus Group, you extend your liability protection beyond the limits of your existing policies — ensuring your financial future stays secure.
Additional Liability Protection
Covers claims that exceed the liability limits of your homeowners, auto, or watercraft policies — protecting you from devastating financial loss.
Legal Defense Costs
Pays legal expenses, attorney fees, and court costs — even if a lawsuit is groundless.
Personal Injury Coverage
Provides protection against claims of defamation, libel, or slander.
Covers liability incidents that occur on your rental or investment properties.
Rental Property Liability
Worldwide Coverage
Protects you wherever you travel — not just in Florida.
Common Add-Ons & Options
We customize umbrella insurance for Florida residents with optional enhancements such as:
High-Net-Worth Protection
Additional coverage for individuals with multiple properties or significant assets.
Uninsured Liability Gap Coverage
Protection against coverage gaps between personal and business activities.
Coverage for Domestic Employees
Protection if household staff or contractors are injured on your property.
Rental Property Umbrella Add-On
Extends protection for landlords and short-term rental owners.
Who Needs Personal Umbrella Insurance in Florida?
Every Florida homeowner and driver can benefit from the added protection of umbrella insurance — but it’s especially valuable for:
- Homeowners and Landlords – Protecting against injuries and liability claims on your property.
- Drivers and Vehicle Owners – Coverage for major accidents that exceed your auto insurance limits.
- Parents and Pet Owners – Protection against liability for accidents involving children or pets.
- High Net-Worth Individuals – Extra protection for assets, investments, and income.
- Vacation Homeowners and Airbnb Hosts – Coverage for short-term rental risks statewide.
Local Risks to Consider
Florida residents face unique liability risks that make umbrella coverage essential:
- Severe Weather Accidents – Storm-related damages or injuries can lead to unexpected lawsuits.
- Slip-and-Fall Injuries – Common liability claims for property owners and landlords.
- Auto Accidents – High traffic in Broward, Palm Beach, and across Florida increases the likelihood of costly claims.
- Rental Property Liability – Short-term or seasonal rentals can create complex exposure risks.
FAQs – Personal Umbrella Insurance in Florida
How much umbrella insurance coverage do I need?
Most Floridians choose between $1 million and $5 million in additional coverage, depending on their assets and lifestyle.
Does umbrella insurance cover my business?
No — personal umbrella insurance covers personal liability only. For business protection, consider a commercial umbrella policy.
Do I need umbrella insurance if I already have good auto and home coverage?
Yes. Umbrella insurance provides extra protection once your existing policy limits are reached — often at an affordable annual cost.
Can my umbrella policy cover my rental properties?
Yes. We offer umbrella options that include liability coverage for rental and vacation homes across Florida.
Is umbrella insurance expensive?
Not at all. Policies often start at just a few hundred dollars per year for millions in added protection.
Protect Your Future with Confidence
Get the Right Umbrella Insurance in Florida
At
The Marcus Group, we’ve helped Florida families safeguard their assets and financial security since 1999. With local expertise, access to top-rated carriers, and personalized guidance, we’ll make sure your coverage truly protects what matters most.