Personal Umbrella Insurance for Miami 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 condo associations or marina needs.
Why Miami Beach Residents Choose Umbrella Coverage
Hurricanes, boating activities, tourist traffic, and waterfront 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 & Condo Rules
Auto Policy: Minimum Requirements
Florida requires minimum auto liability of $10k/$20k/$10k, but umbrella carriers typically require 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 flood zones, boats, and other exposures that may need scheduled underlying coverage.
Condo & Waterfront Owners
Florida law mandates liability insurance for condo associations and waterfront properties. Your personal umbrella generally excludes business pursuits; condo owners may need additional coverage for association requirements.
Miami Beach Regulations
In Miami Beach, properties in flood zones must comply with local building codes. We’ll coordinate certificates of insurance for associations, marinas, and city requirements.
Tip: Keep records for driver training, security systems, and any pet training—these can help with underwriting.
What Your Miami Beach Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or tourist-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 condo association 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 Miami Beach families start at $1M–$2M. If you have teen drivers, a boat, hurricane exposure, 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; prior claims can limit options |
| Condo units | Use association liability + commercial umbrella for shared exposures |
Our Process for Miami Beach Households
- Exposure Map — drivers, properties, pets, boats, online presence, condos.
- 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.
