Personal Umbrella Insurance in Florida | Travelers & Mercury Coverage

Personal Umbrella Insurance in Florida

Accidents can happen in an instant — and in Florida, one serious claim can quickly exceed the limits of your auto or homeowner’s policy. A Personal Umbrella Insurance policy provides an extra layer of protection for your assets, income, and future.

At Barefoot Insurance Brokers, we offer affordable umbrella policies through admitted markets like Travelers Insurance and Mercury Insurance, ensuring you have peace of mind no matter what life throws your way.

What Is Personal Umbrella Insurance?

Personal Umbrella Insurance is a form of excess liability coverage that sits on top of your primary policies — such as your home, auto, boat, or rental property insurance.

If you cause a serious accident, your underlying liability coverage may not be enough to cover medical bills, property damage, and legal expenses. A personal umbrella extends that protection, typically in increments of $1 million or more, for a surprisingly low premium.

In a state as litigious as Florida, where lawsuits are common and damages can climb quickly, umbrella insurance helps protect against the financial fallout of large or unexpected liability claims.

Why Florida Residents Need Umbrella Coverage

Florida’s combination of dense traffic, active lifestyles, and coastal property ownership makes residents particularly vulnerable to high-value claims. Common situations that could trigger an umbrella claim include:

  • A serious auto accident where another driver or passenger is severely injured.
  • A guest injury at your home, pool, or dock resulting in hospitalization or long-term care.
  • A dog bite or pet-related injury off your property.
  • A boating or jet ski accident causing injuries or property damage.
  • A rental property liability claim involving tenants or maintenance contractors.
  • Defamation or personal injury lawsuits from social media activity or business-related disputes.

Even one large claim can put your home equity, savings, and retirement accounts at risk. Umbrella insurance is designed to protect everything you’ve worked hard to build.

How a Personal Umbrella Policy Works

Think of an umbrella policy as secondary coverage that activates after your primary insurance limits are exhausted.

For example:

  • You carry $250,000 in auto liability coverage.
  • You cause an accident that results in $1 million in injuries and damages.
  • Your umbrella policy covers the remaining $750,000 (and legal defense) after your auto policy pays its limit.

Most umbrella insurers require a minimum level of underlying coverage, such as:

  • Auto Liability: $250,000 per person / $500,000 per accident
  • Homeowners Liability: $300,000 or more
  • Boat or Personal Watercraft: Liability coverage meeting carrier guidelines

If you meet those requirements, your umbrella can seamlessly extend protection across all policies — even to properties or vehicles in other states.

Travelers and Mercury — Trusted Umbrella Carriers

Barefoot Insurance Brokers works with Travelers Insurance and Mercury Insurance, two of the most reputable admitted markets offering personal umbrella coverage in Florida.

Travelers Umbrella Coverage

  • Provides $1 million to $10 million in additional liability limits
  • Covers bodily injury, property damage, and personal injury claims
  • Includes worldwide coverage for incidents abroad
  • Offers special protection for landlords and secondary homes

Mercury Umbrella Coverage

  • Affordable excess liability limits
  • Can cover multiple vehicles, properties, and recreational toys
  • Provides legal defense costs outside policy limits
  • May include coverage for defamation and false arrest claims

Our agents compare both carriers — plus additional surplus-line markets if necessary — to find the right umbrella policy for your household’s specific mix of risks.

What’s Covered Under a Personal Umbrella Policy

Umbrella insurance is designed to go beyond standard liability protection. Covered claims often include:

  • Auto accidents where you’re found at fault
  • Injuries on your property (pool, deck, stairs, or guest areas)
  • Libel or slander lawsuits
  • Rental property exposures for landlords
  • Boating or watercraft liability
  • Property damage caused to others’ belongings
  • Legal defense expenses for covered incidents

Some umbrella policies can even provide worldwide coverage — a benefit for Floridians who travel frequently or own property in other states.

What’s Not Covered

Umbrella insurance won’t replace basic coverages. It won’t pay for:

  • Damage to your own property
  • Intentional acts or criminal behavior
  • Business-related liability (commercial umbrellas are available separately)
  • Contractual disputes

If you operate a business, own investment properties, or work as an independent contractor, we can help pair your personal umbrella with commercial excess liability or professional coverage for seamless protection.

How Much Does a Florida Umbrella Policy Cost?

Despite its high limits, umbrella coverage is often surprisingly affordable. Most policies start around $150–$300 per year for $1 million in coverage, with discounts available for multi-policy households.

Your premium is based on factors such as:

  • Number of vehicles and drivers in your household
  • Number of homes or properties insured
  • Prior claim history
  • Chosen coverage limits (e.g., $1M, $2M, $5M)

Because Barefoot Insurance Brokers represents multiple umbrella carriers, we can compare rates and tailor your coverage to balance protection and cost.

Why Choose Barefoot Insurance Brokers

As an independent Florida insurance agency, Barefoot Insurance Brokers understands how quickly a simple accident can become a costly claim. We work with admitted umbrella markets like Travelers and Mercury, plus specialty carriers when needed, to ensure comprehensive coverage for:

  • Homeowners with pools, trampolines, or waterfront property
  • Households with teen drivers
  • Boat and jet ski owners
  • Rental property landlords
  • High-net-worth individuals seeking higher limits

We’ll review your existing policies, identify any coverage gaps, and help you build a layered protection plan that keeps your assets safe from today’s growing liability risks.

Get a Personal Umbrella Insurance Quote Today

Protect your savings, home, and future from unexpected lawsuits with affordable umbrella coverage.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your free umbrella insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — extending protection for Florida families one layer higher.