Personal Umbrella Insurance for Highland Beach 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 associations or marina needs.
Why Highland Beach Residents Choose Umbrella Coverage
Coastal living, hurricane risks, boating activities, 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 & Homeowner Rules
Auto Policy: Minimum Requirements
Florida requires at least $10k/$20k bodily injury and $10k property damage, but umbrella carriers typically require higher underlying auto liability—often $100k/$300k. We’ll ensure your policy meets these standards.
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 that may need scheduled underlying coverage.
Homeowners & Associations
Florida law requires specific insurance for condos and HOAs; your personal umbrella generally excludes business pursuits. Homeowners with rentals may need a landlord or commercial umbrella to sit over those policies.
Highland Beach Regulations
In Highland Beach, properties in flood zones must comply with local building codes. We’ll coordinate certificates of insurance when your HOA, lender, or the City asks.
Tip: Keep records for storm shutters, flood barriers, and any pet training—these can help with underwriting.
What Your Highland Beach 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-related injuries on 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 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 Highland Beach families start at $1M–$2M. If you have waterfront properties, boats, 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 |
| Flood zone property | Underwriting questions apply; flood insurance is often required |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Highland Beach 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.
