Personal Umbrella Insurance for Burnt Store Marina 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 marina or homeowner association needs.
Why Burnt Store Marina Residents Choose Umbrella Coverage
Waterfront living, boating activities, hurricane risks, and community events 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 & Waterfront Rules
Auto Policy: Minimum Requirements
Florida requires minimum auto liability coverage, but for umbrellas, carriers often want higher limits like $250k/$500k. 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 boats, pools, and other exposures that may need scheduled underlying coverage.
Waterfront & Marina Owners
Florida law requires liability insurance for properties near water. Your personal umbrella generally excludes business pursuits; marina or rental owners may need a commercial umbrella to sit over those policies.
Burnt Store Marina Regulations
In Burnt Store Marina, properties may require specific insurance for marinas and associations. We’ll coordinate certificates of insurance when your HOA or the county asks.
Tip: Keep records for boat safety courses, security systems, and any pet training—these can help with underwriting.
What Your Burnt Store Marina Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or lifetime care claims
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on docks and properties
- 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 marina 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 Burnt Store Marina families start at $1M–$2M. If you have teen drivers, a boat, frequent water activities, or higher assets, consider $3M–$5M or more. Pricing is often a few hundred dollars per year for the first million, with additional millions costing less each.
Exposure | Consideration |
---|---|
Teen drivers | Increase limits; some carriers require higher underlying auto |
Boats / PWCs | Ensure boat liability meets minimums to be covered by the umbrella |
Dog bite history | Underwriting questions apply; prior claims can limit options |
Waterfront rentals | Use commercial liability + umbrella for business pursuits |
Our Process for Burnt Store Marina 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.