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A pink beach umbrella and beach bag on the white sand at Seaside, Florida

Florida umbrella insurance

Umbrella insurance for Florida homes, cars, boats and businesses.

Updated · Reviewed by Nymble Insurance LLC, a licensed Florida agency

Umbrella insurance is extra liability coverage that pays after your home, auto, boat or business policy limits run out, and can cover some claims those policies don't. Nymble Insurance LLC, a licensed Florida agency, places personal umbrellas for households and commercial umbrellas for businesses.

  • Personal umbrella over home, auto, boat and rentals
  • Commercial umbrella and excess liability
  • One agency handles your quote. Your info isn't sold.

Get an umbrella insurance quote

Step 1 of 5

What to cover

Your information goes to one licensed agency, not a lead marketplace. Fields marked * are required.

What does umbrella insurance protect me from?

Umbrella insurance adds liability coverage above your home, auto and boat policies. If a lawsuit or judgment exceeds those limits, the umbrella pays the rest up to its own limit, and it may cover some claims the underlying policies do not, such as certain personal injury claims. It does not cover your own property.

Why do Floridians consider umbrella coverage?

Florida's minimum auto requirements focus on personal injury protection and property damage liability, so a serious crash can exceed a driver's limits. Pools, boats, teen drivers, rental properties and dogs add liability exposure. An umbrella provides an extra layer when a claim is larger than the underlying policies.

Personal vs. commercial umbrella

Personal umbrellaCommercial umbrella
Sits aboveHome, auto, boat, rental dwelling policiesGeneral liability, commercial auto, employers liability
Who it protectsYou and household membersYour business
Common limitsOffered in $1M stepsOffered in $1M steps
Typical buyerHomeowners, boat owners, landlordsContractors, property managers, businesses with vehicles

How to buy an umbrella policy

  1. List every home, vehicle, boat and rental you own.
  2. Check your underlying liability limits on each declarations page.
  3. Raise underlying limits if the umbrella insurer requires it.
  4. Choose an umbrella limit.
  5. Submit the quote form or call (813) 291-3484.
Licensed Florida agencyNymble Insurance LLC · License L131669
Agency NPN 21626709Verifiable with the state and NIPR
One agency, not a lead marketplaceYour details are not sold
Talk to a licensed agent(813) 291-3484

Who usually needs an umbrella?

Families with teen drivers

More drivers, more liability.

Boat, pool & dog owners

Florida-life exposures.

Landlords

Tenants, guests and premises.

Find your page

Personal umbrella

How it sits on home and auto.

How much do I need?

A simple way to choose a limit.

Commercial umbrella

Above GL, auto and employers liability.

What an umbrella usually covers

  • Bodily injury and property damage above your underlying limits
  • Legal defense in covered claims
  • Some claims other policies may not, such as certain libel or slander claims, depending on the policy

How does it work?

1. Tell us what you own

Drivers, homes, boats, rentals, pets.

2. We line up the layers

We check underlying limits meet the minimums.

3. You choose a limit

We compare $1M, $2M and more.

Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.

The Florida life an umbrella policy protects

A modern waterfront home with a pool on a Miami waterway
Miami waterfront Photo credit
A fenced backyard swimming pool at a home near Pensacola, Florida
Backyard pool, Escambia County Photo credit
A mid-century ranch house under a live oak on Anastasia Island, St. Augustine, Florida
Anastasia Island, St. Augustine Photo credit
The Tampa skyline seen across the bay from the Ballast Point Park pier
Tampa Bay Photo credit

Photographs are for illustration only. They are not our customers or their homes.

Florida umbrella insurance questions, answered

What is umbrella insurance?

A policy that adds liability coverage above your home, auto, boat and other policies, paying after their limits are exhausted.

How much do I need?

Many people choose a limit at least equal to what a lawsuit could reach. See how much do I need.

Do I need to raise my auto and home limits first?

Usually. Umbrella insurers require minimum underlying limits. Your agent will check them.

Do you write commercial umbrella?

Yes. See commercial umbrella.

Who is Nymble Insurance?

Nymble Insurance LLC is a licensed Florida insurance agency (License L131669, NPN 21626709). One agency handles your quote, and your information is not sold.

Umbrella insurance guides

See every article

Sources and official resources

General information only, not legal advice. Policy terms control coverage.