Personal Umbrella Insurance for Jupiter 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's association or marina needs.
Why Jupiter Residents Choose Umbrella Coverage
Coastal living, boating activities, hurricane risks, and busy roads 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 a minimum of $10k/$20k for bodily injury and $10k for 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 watercraft, pools, and other exposures that may need scheduled underlying coverage.
Homeowners & Associations
Florida law requires liability insurance for properties, especially in areas like Jupiter with HOAs. Your personal umbrella generally excludes business pursuits; consider a commercial umbrella for additional needs.
Jupiter Regulations
In Jupiter, properties may need to comply with local building codes and insurance requirements. We’ll coordinate certificates of insurance when your HOA, lender, or the city asks.
Tip: Keep records for storm shutters, security systems, and any pet training—these can help with underwriting.
What Your Jupiter Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or pedestrian claims
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries or storm-related incidents
- Pool or boating accidents (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 commercial 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 Jupiter families start at $1M–$2M. If you have teen drivers, a pool, waterfront property, 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; Florida carriers may require higher underlying auto |
| Boats / PWCs | Ensure boat liability meets minimums to be covered by the umbrella |
| Hurricane risks | Underwriting questions apply; prior claims can limit options |
| HOA properties | Use additional liability + commercial umbrella for association requirements |
Our Process for Jupiter Households
- Exposure Map — drivers, properties, pets, boats, online presence, and local risks.
- 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, or weather-related risks.
