Personal Umbrella Insurance for Fisher Island 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 homeowner association or marina needs.
Why Fisher Island Residents Choose Umbrella Coverage
Coastal living, boating activities, hurricane risks, and high-value properties 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 & Property Rules
Auto Policy: Minimum Requirements
Florida requires a minimum of $10,000/$20,000 for bodily injury and $10,000 for property damage, but umbrella carriers typically require higher underlying auto liability—often $250k/$500k or a $300k combined single limit. If your policy is at the state minimum, we’ll upgrade your underlying limits 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 watercraft, pools, and other exposures that may need scheduled underlying coverage.
Waterfront & Boat Owners
Florida law requires owners of boats and waterfront properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; boat owners often need a separate marine or commercial umbrella to sit over those policies.
Fisher Island Regulations
In Fisher Island, properties must comply with Miami-Dade County regulations for insurance and safety. We’ll coordinate certificates of insurance when your association or the county asks.
Tip: Keep records for boat safety courses, security systems, and any pet training—these can help with underwriting.
What Your Fisher Island 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 pools
- Hurricane-related 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 waterfront 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 Fisher Island 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 properties | Use marine liability + commercial umbrella for recreational pursuits |
Our Process for Fisher Island Households
- Exposure Map — drivers, properties, pets, boats, online presence, waterfront activities.
- 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 associations, marinas, and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
