Personal Umbrella Insurance in Florida

Umbrella insurance is a type of personal liability coverage that goes above and beyond the limits of your existing home, auto, and other insurance policies. This ensures that your hard-earned assets and future earnings are covered in the event of a significant lawsuit or claim. If an incident exhausts your liability limits on your personal insurance policy, then your umbrella limits will kick in to cover the rest.

How Can We Help?

At Single Source Insurance, we help individuals and families across Florida secure affordable, high-limit umbrella coverage designed to shield everything you’ve worked so hard to build.

Our services include:

  • Policy Gap Reviews: We assess your current home and auto policies to identify areas where umbrella coverage can protect you.

  • Customized Limits: Choose from a range of coverage options based on your net worth, lifestyle, and exposure.

  • Broad Liability Protection: Coverage for incidents at home, on the road, or even while traveling.

  • Expert Advice: We simplify complex liability issues and help you make smart, proactive insurance decisions.

When your standard coverage isn’t enough—we’re here to catch the overflow.

What Does Umbrella Insurance In Florida Cover?

Personal umbrella insurance in Florida typically provides excess liability protection for:

  • Bodily Injury Claims: If someone is injured in an accident involving you, your home, or your vehicle.

  • Property Damage Liability: Covers damage you cause to someone else’s property that exceeds your policy limits.

  • Legal Defense Costs: Includes attorney fees and court costs, even if you’re not found liable.

  • Libel, Slander, and Defamation: Coverage for personal lawsuits related to written or spoken statements.

  • Rental Property Liability: Protection if you’re sued for incidents at a property you own and rent out.

Umbrella insurance does not cover your own property damage or injuries—but it does ensure that you’re not financially wiped out by someone else’s claim.

When Should You Get Umbrella Insurance?

The best time to get personal umbrella insurance is before you face a lawsuit or serious claim. Many people think it’s only for the wealthy, but anyone with assets, savings, or a steady income has something to lose.

You should strongly consider umbrella coverage if:


✔ You own a home, condo, or rental property
✔ You drive regularly or have teen drivers in the household
✔ You host guests, events, or parties at your home
✔ You have significant savings, investments, or a high net worth
✔ You want peace of mind knowing you’re protected from major liability

Lawsuits happen every day—make sure you’re prepared if one ever comes your way.

The Single Source Difference

At Single Source Insurance, we understand that liability protection isn’t just for high-profile people—it’s for anyone who wants to safeguard their lifestyle and future.

Here’s what makes us different:


Tailored Coverage: We’ll assess your real risk exposure and recommend the right coverage amount.
Easy Add-On: We make it simple to add umbrella protection to your existing auto or homeowners policy.
Clear, Honest Guidance: No scare tactics—just smart advice to help you make the right decision.
Top-Rated Carriers: Access to competitive pricing from the most trusted insurers in the market.

Let us show you the Single Source difference. Contact us today and find out how personal umbrella insurance can help protect what you’ve built—from every angle.

Let’s Get Started

Ready to see what makes Single Source one of the best insurance companies? Request a quote today or contact us for more detailed information.