Umbrella Insurance

Umbrella Insurance Quote

or call us at (561) 479-1898 and let us do it for you!

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Florida Umbrella Insurance

Protect yourself and your assets beyond the limits of your standard home and auto insurance policies with umbrella insurance. Cronin Insurance Agency helps Floridians secure the additional liability coverage they need to safeguard their finances against unexpected events.

What Is Umbrella Insurance?

Umbrella insurance is a type of personal liability coverage that provides extra protection above your existing home, condo, or auto insurance policies. It helps cover legal fees, medical expenses, and damages if you are found liable in an accident, lawsuit, or other covered incident. In Florida, where accidents and lawsuits can be costly, umbrella insurance is an affordable way to extend your coverage.

Why You Need Umbrella Insurance in Florida

  • Extended Liability Limits: Standard policies may not cover large claims—umbrella insurance increases your coverage by $1 million or more per occurrence.
  • Legal Protection: Covers attorney fees, court costs, and settlements beyond your standard policy limits.
  • Peace of Mind: Protects your savings, investments, and future earnings from liability claims.
  • Affordable Coverage: Umbrella policies are generally inexpensive compared to the extra protection they provide.

How Umbrella Insurance Works

Umbrella insurance kicks in after the liability limits of your underlying policies (home, auto, or boat insurance) have been reached. For example, if your auto insurance liability limit is $300,000 and you’re found liable for $1 million in damages, your umbrella policy can cover the remaining $700,000, protecting you from financial loss.

Why Choose Cronin Insurance Agency?

We are an independent Florida agency representing multiple top-rated carriers. Our licensed agents help you:

  • Determine the right umbrella coverage limit for your lifestyle and assets
  • Compare options across multiple insurers for the best value
  • Ensure seamless coordination with your existing home and auto policies
  • Provide personalized advice and ongoing support

Why Choose Us?

  • Competitive Rates: We compare multiple providers to find the best value.
  • Choice of Top Insurance Companies: Our independent status gives you access to dozens of top carriers.
  • Personal Advice from Local Experts: We guide you through selecting the right coverage for your needs.
  • Decades of Experience: Serving Floridians since 1993 with storm-proven expertise.

Frequently Asked Questions (FAQ)

Do I need umbrella insurance if I already have home and auto coverage?

Yes. Standard home and auto policies have liability limits that may not cover large claims. Umbrella insurance provides additional protection for significant lawsuits or accidents.

How much coverage do I need?

Coverage depends on your assets, lifestyle, and risk exposure. Many Floridians start with $1 million and increase coverage as needed. Our agents can help you determine the right limit.

Does umbrella insurance cover everything?

No. Umbrella policies provide liability protection but generally do not cover your personal property or intentional acts. They are meant to supplement, not replace, your primary insurance.

How much does umbrella insurance cost in Florida?

Umbrella insurance is usually very affordable, often ranging from $150 to $300 per year for $1 million in coverage, depending on your underlying policies and risk profile.

Get Your Florida Umbrella Insurance Quote Today

Protect yourself beyond the limits of your standard insurance policies. Call Cronin Insurance Agency at 561-479-1898 or visit our website to request a free umbrella insurance quote today.

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