Personal Umbrella Insurance for Bardmoor Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for Florida, coordinate with your landlord or marina needs.
Why Bardmoor Residents Choose Umbrella Coverage
Hurricanes, flooding, boating activities, and high-traffic areas increase the chance of large liability claims. If a judgment exceeds the limits on your auto or homeowners policy, an umbrella helps protect savings, home equity, and future income.
We’ll sync your base policies with carrier requirements, then add an umbrella limit that fits your household, drivers, and properties.
Florida Context: Underlying Policies & Landlord Rules
Auto Policy: Minimum Requirements
Florida requires minimum auto liability of $10k/$20k/$10k, but umbrella carriers typically require higher limits like $100k/$300k. We’ll ensure your policy meets these to qualify.
Home/Condo/Renters Liability
Most umbrellas require at least $300k personal liability on your homeowners/condo/renters policy. We’ll also look at flood, windstorm, and other exposures common in Florida.
Landlords & Business Owners
Florida law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords may need a landlord or commercial umbrella.
Bardmoor Registration
In Bardmoor (Pinellas County), rental properties must comply with local regulations. We’ll coordinate certificates of insurance as needed.
Tip: Keep records for teen drivers’ training, storm shutters, and any pet training—these can help with underwriting.
What Your Bardmoor Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or flooding-related incidents
- Teen drivers and multi-vehicle households
Home & Premises
- Flood or storm damage claims, slip-and-fall injuries
- Pool or boating incidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, defamation allegations
- Some worldwide incidents within policy territory
Boating & Rec
- Excess over boat/PWC liability when underlying limits are met
- Consider yacht policies for larger vessels and crew exposures
What’s Not Covered
- Intentional acts
- Business activities and most landlord exposures under a personal umbrella
- Professional services (get E&O/D&O and a commercial umbrella)
- Damage to your own property
- Vehicles/boats without required underlying limits
How Much Limit? What Does It Cost in FL?
Most Bardmoor families start at $1M–$2M. If you have teen drivers, a pool, frequent boating, or higher assets, consider $3M–$5M or more. Pricing is often a few hundred dollars per year for the first million.
| Exposure | Consideration |
|---|---|
| Teen drivers | Increase limits; ensure underlying auto meets requirements |
| Boats / PWCs | Ensure boat liability meets minimums to be covered by the umbrella |
| Flood zone property | Underwriting questions apply; flood insurance may be required |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Bardmoor Households
- Exposure Map — drivers, properties, pets, boats, online presence, rentals.
- Underlying Tune-Up — set auto/home/boat liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile.
- Bind & Certificates — ID cards and COIs for HOAs, marinas, and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
