Personal Umbrella Insurance for Paradise Heights 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 landlord or marina needs.
Why Paradise Heights Residents Choose Umbrella Coverage
With hurricane risks, boating activities, and suburban living, the chance of large liability claims is higher. 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 & Landlord Rules
Auto Policy: Minimum Requirements
Florida requires a minimum of $10,000/$20,000 bodily injury liability, 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 $100k personal liability on your homeowners/condo/renters policy. We’ll also consider hurricane exposures, watercraft, and other risks.
Landlords & Business Owners
Florida law mandates liability insurance for rental properties. Your personal umbrella generally excludes business pursuits; landlords may need a landlord or commercial umbrella.
Paradise Heights Regulations
In Paradise Heights, ensure compliance with local zoning and insurance requirements for rentals. We’ll provide certificates of insurance as needed.
Tip: Document storm preparations, security systems, and pet training—these can aid in underwriting.
What Your Paradise Heights Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or hurricane-related incidents
- Teen drivers and multi-vehicle households
Home & Premises
- Flood or storm damage claims
- Pool or recreational incidents
Personal Injury (policy-specific)
- Libel, slander, or 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 in Florida waters
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 Paradise Heights families start at $1M–$2M. With hurricane risks, boating, or higher assets, consider $3M–$5M or more. Pricing is often a few hundred dollars per year for the first million.
| Exposure | Consideration |
|---|---|
| Teen drivers | Increase limits; ensure underlying auto meets requirements |
| Boats / PWCs | Ensure boat liability meets minimums for umbrella coverage |
| Hurricane history | Underwriting may require higher limits or exclusions |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Paradise Heights Households
- Exposure Map — drivers, properties, pets, boats, and local risks like hurricanes.
- Underlying Tune-Up — set auto/home/boat liability to insurer minimums.
- Limit Selection — net worth + future income + Florida-specific risks.
- Bind & Certificates — ID cards and COIs for HOAs and marinas.
- Annual Review — adjust for new drivers, property changes, or storm damage.
