Excess Liability
Adds liability protection above qualifying underlying policies when a covered claim exceeds their limits.
Personal Agent
Tailored to your needs
Competitive Rates
Quick & Easy
Hurricane season is underway. Secure coverage today!
Add an extra layer of liability protection above qualifying home, auto, landlord, and watercraft policies.
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Build an extra liability layer around the risks your household already carries
Share your current home, auto, rental-property, and watercraft liability limits along with household drivers and major exposures.
We review carrier requirements and compare umbrella options that fit your underlying policies and desired protection level.
Choose a limit that fits your assets, income exposure, household risks, and comfort level, then complete the underwriting requirements.
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
"Alex Lopez was great! Very responsive and will work his tail off for you."
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
"Super helpful and professional! Highly recommend!!"
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Umbrella carriers usually require minimum liability limits on home, auto, landlord, or watercraft policies. We verify those limits before quoting.
Drivers, teen drivers, homes, rentals, pools, boats, pets, claims history, and public exposure can all affect eligibility and the appropriate umbrella limit.
Our agents compare available umbrella options and explain where underlying policy requirements, exclusions, and pricing differ by carrier.
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Add another liability layer for severe covered claims that could otherwise reach personal assets or future income.
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We focus on umbrella options that coordinate with the home, auto, landlord, and watercraft policies already protecting your household.
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One review of your household exposures and underlying limits helps narrow the carriers and limits worth comparing.
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A licensed Florida agent can explain eligibility, underlying-limit requirements, exclusions, and how much umbrella coverage may fit your situation.
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Start with your current policy limits and household details, then let Worth Insurance handle the comparison and next steps.
Florida Personal Umbrella Insurance
Umbrella insurance is designed to sit above qualifying home, auto, landlord, and watercraft liability policies. When a covered liability claim exceeds an underlying policy limit, an umbrella policy may provide an additional layer of protection, subject to the policy's terms, exclusions, and required underlying limits.
Get an Umbrella Insurance QuoteAdds liability protection above qualifying underlying policies when a covered claim exceeds their limits.
Many umbrella policies can help with covered attorney fees and defense expenses associated with major liability claims.
Can provide an additional liability layer when injuries or damages from a covered auto accident exceed the underlying auto liability limit.
May extend protection for covered claims involving injuries at a home or rental property, including exposures such as pools, dogs, or guest injuries.
Depending on the carrier and policy, umbrella coverage may sit above qualifying boat, watercraft, or landlord liability coverage.
Some policies include personal-injury protection for covered claims such as libel, slander, or defamation. Coverage varies by carrier.
Umbrella underwriting considers the household as a whole. Carriers may review the number and age of drivers, vehicles, homes, rental properties, boats or watercraft, pools, pets, prior liability claims, public exposure, the umbrella limit requested, and the liability limits carried on underlying policies.
Personal umbrella insurance provides additional liability protection above qualifying underlying policies such as home, auto, landlord, or watercraft insurance. It is designed for covered claims that exceed those underlying liability limits.
Your underlying policy responds first. If a covered liability claim exceeds its applicable limit, the umbrella policy may provide additional coverage up to the umbrella limit, subject to policy terms, exclusions, and carrier requirements.
The appropriate limit depends on assets, income exposure, household drivers, homes, rentals, watercraft, public profile, and risk tolerance. A licensed agent can compare those exposures with your current liability limits.
Most umbrella carriers require minimum liability limits on underlying home, auto, landlord, or watercraft policies. Required limits vary by carrier and household and should be confirmed before binding.
Many umbrella policies can help with covered legal defense costs associated with liability claims. How defense costs apply to the policy limit varies by contract, so policy terms should be reviewed.
Umbrella coverage can sometimes extend above qualifying landlord or rental-property liability coverage when the exposure is disclosed and accepted by the carrier. Requirements vary by policy.
Some umbrella policies can extend above qualifying boat or watercraft liability coverage. The vessel, use, ownership, and underlying liability limit generally need to meet the carrier's requirements.
Teen drivers can increase household liability exposure and may affect umbrella pricing or eligibility. All household drivers should be disclosed when the umbrella policy is quoted.
Some umbrella policies include broader personal-injury protection for claims such as libel, slander, or defamation. Coverage varies by carrier and exclusions apply.
No. Umbrella insurance can be useful whenever a household has meaningful liability exposure that could exceed standard policy limits, including drivers, pools, dogs, rentals, boats, or future income to protect.
Pricing depends on the umbrella limit, household drivers, vehicles, homes, rentals, watercraft, claims history, and the limits carried on underlying policies.
Umbrella policies generally do not replace property insurance and may exclude intentional acts, certain business activities, or risks that are not properly insured underneath. Exact exclusions vary by policy.
Start with your current home, auto, landlord, and watercraft declarations pages plus household driver and exposure details. Worth Insurance can review the underlying limits and compare available umbrella options.
A Worth Insurance agent can review your household exposures and underlying policies, then compare available umbrella options that fit your situation.
Compare Umbrella Coverage
