Personal Umbrella
Extra protection when you need it most.
A liability layer sitting above your auto, home and boat limits, covering bodily injury, property damage and personal liability suits.
Chapter 01
An umbrella is a limit, not a second policy
It does not duplicate what you already have. It sits on top of it. When a liability claim exhausts the limit on your auto, home or boat policy, the umbrella continues from there.
That is the whole mechanism, and it is why an umbrella is usually far cheaper than people expect for the amount of protection it adds.
A Florida residential neighbourhood of tile roofs and palms at dusk
What it reaches
Bodily injury, property damage, and personal liability suits beyond the underlying limits. The scenarios that make umbrellas worth having are the uncommon, expensive ones: a serious at-fault accident, an injury on your property, a claim that outruns a standard limit.
Chapter 03
The underlying limits have to be right first
An umbrella requires the policies beneath it to carry specified minimum limits. That requirement is not paperwork, it is the reason the umbrella can be priced the way it is.
Reviewing the underlying policies is therefore part of writing the umbrella, and it is often where we find something else worth correcting.
AutoLife places this line with A-rated carriers from the office at 3691 Webber Street, Sarasota. Call 941-210-4499.
Other lines we place
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.