The Layer of Protection Most Families Overlook
Extra Liability When Life Gets Complicated
A personal umbrella policy adds liability coverage above your home and auto limits. It helps when a serious accident or lawsuit pushes past what a standard policy will pay. In Florida, that can happen more easily than people expect. High traffic, busy neighborhoods, pools, boats, and frequent guests all increase the chance of a large claim.
GM Insurance Underwriters works with Florida families and individuals who want
stronger financial protection without turning personal insurance into a maze. We look at your current policies, your assets, and your daily risks, then recommend an umbrella limit that fits your real exposure.
What Umbrella Insurance Covers
Coverage that Sits Above Home and Auto
Umbrella coverage typically extends your personal liability on homeowners, condo, auto, and sometimes boat policies. If you are found responsible for injuries to someone else, damage to their property, or a lawsuit tied to an incident at your home or on the road, an umbrella policy can help pay for the costs that exceed your underlying limits.
This becomes especially important with
teen drivers, frequent entertaining, rental property ownership, or waterfront activities common in Florida. Whether you live in Jacksonville’s Mandarin area, around Riverside and Avondale, or closer to the beaches and Intracoastal, the goal is the same: keep a worst-case claim from putting your savings and future income at risk.
How We Set the Right Limit
Simple Questions, Clear Recommendations
We start by reviewing your existing home, auto, and condo policies, plus any boats or rental properties you want included. Then we look at your assets, how you use your property, and the kinds of liability claims that are most common in Florida.
Because GM Insurance Underwriters is an
independent agency, we can
compare umbrella options across multiple carriers. That matters in Florida’s changing market, where liability rules and pricing can vary more widely than people expect. You get a clear comparison, not a push toward one company’s product.
Answers to the Questions We Hear Most
How does personal umbrella insurance work?
It provides additional liability limits after your home or auto policy reaches its maximum. It is designed for large claims that could otherwise spill into personal assets.
Do I need umbrella insurance in Florida?
If you have assets, drive regularly, host guests, or own property that creates liability exposure, an umbrella policy is a practical way to add protection. Florida’s traffic patterns and lawsuit environment make higher limits a good idea for many households.
How much umbrella coverage should I carry?
Many people start with $1 million and adjust upward based on assets and risk. We will recommend a number based on your situation, not a default.