Personal Umbrella Insurance for Naples 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 HOA or marina needs.
Why Naples Residents Choose Umbrella Coverage
Coastal living, boating activities, tourist traffic, and hurricane risks 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 & HOA Rules
Auto Policy: Minimum Limits
Florida requires minimum auto liability of $10k/$20k/$10k, but umbrella carriers typically require higher underlying auto liability—often $100k/$300k or more. 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.
HOAs & Rentals
Florida law and HOAs often require owners of condos and rentals to carry liability insurance. Your personal umbrella generally excludes business pursuits; condo owners and landlords may need a landlord or commercial umbrella to sit over those policies.
Naples Registration
In Naples, properties in HOAs must comply with association rules, including insurance certificates. We’ll coordinate certificates of insurance when your HOA, lender, or the City asks.
Tip: Keep records for teen drivers’ training, security systems, and any pool fencing—these can help with underwriting.
What Your Naples Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or tourist-related incidents
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on property
- 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 Naples families start at $1M–$2M. If you have teen drivers, a pool, boating, 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 |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Naples 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.
