Your standard home and auto insurance policies are designed to protect against everyday risks — but what happens if a serious accident, lawsuit, or claim exceeds those limits?

That’s where umbrella insurance comes in.

At Waterfront Insurance, we help Florida homeowners, business owners, and investors safeguard their wealth with affordable umbrella coverage that extends protection far beyond standard policy limits.

Florida’s unique mix of high property values, high traffic, and active lifestyles means liability risks are everywhere — from boating and pool injuries to auto accidents or tenant disputes. Even one serious claim could threaten your savings, home equity, or business assets.

Umbrella insurance provides an additional layer of liability protection that sits on top of your home, auto, or business policies — protecting your net worth when the unexpected happens.

You need umbrella insurance if you:

• Own a home, vacation property, or rental property
   
• Have a swimming pool, dog, boat, or ATV
   
• Employ household staff or contractors
   
• Serve on a board or manage investments
   
• Host guests, events, or short-term rentals
   
• Drive frequently or own multiple vehicles
   
• Have significant savings or future income to protect
   

Think of umbrella coverage as your financial safety net.
If you’re found liable for damages that exceed your underlying policy limits, your umbrella policy steps in to pay the rest — up to the policy maximum (often $1 million – $10 million).

If you cause an auto accident and your auto liability limit is $300,000 but the judgment totals $1.2 million, your umbrella policy covers the remaining $900,000 — protecting your savings, property, and future income from garnishment.

Your Florida umbrella insurance can include coverage for:

• Bodily Injury Liability: Injuries to others caused by you, your family, or your property.
   
• Property Damage Liability: Damage you cause to others’ property beyond your policy limits.
   
• Legal Defense Costs: Attorney fees and court costs — often unlimited within your coverage scope.
   
• Personal Injury: Claims of libel, slander, or defamation.
   
• Landlord Liability: Lawsuits stemming from rental properties.
   
• Auto & Boating Accidents: Coverage that extends beyond vehicle or watercraft policy limits.
   
• Volunteer / Community Activities: Certain nonprofit or board participation exposures.
   

Umbrella insurance is designed to fill gaps and extend limits, ensuring that a single event doesn’t wipe out years of financial progress.

Most policies start at $1 million, with additional coverage available in increments of $1 million up to $10 million or more.

We’ll help you determine the right amount based on your:

• Home and property values
   
• Vehicle ownership and driver exposure
   
• Net worth and savings
   
• Investment and business interests
   
• Risk profile and lifestyle
   

Umbrella coverage is surprisingly affordable — typically starting around $150 – $300 per year per $1 million in coverage.

Because it only kicks in after your primary policies are exhausted, premiums stay low while providing millions in extra protection.

Bundling your umbrella policy with your home and auto insurance can often reduce overall premiums even further.

✔ Florida Liability Experts – We understand coastal property risks, investment portfolios, and complex ownership structures.
✔ High-Net-Worth Protection – Specialized coverage for primary residences, second homes, and luxury assets.
✔ Access to Top Carriers – We work with trusted insurers who understand Florida’s legal and coastal environment.
✔ Integrated Coverage Strategy – We align your home, auto, and umbrella limits for seamless protection.
✔ Personalized Guidance – No call centers — just local professionals who know your goals and lifestyle.

Protecting your wealth is simple — and more affordable than you think.

Let our team design an umbrella policy that complements your home, auto, and investment coverage for complete peace of mind.

Waterfront Insurance – Smarter Protection for Florida’s Affluent Homeowners and Investors.