Personal Umbrella Insurance for Rio 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 Rio Residents Choose Umbrella Coverage
With Florida's busy highways, hurricane risks, boating activities, and property ownership in coastal areas, 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 at least $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PD), plus $25,000/$50,000 Bodily Injury Liability. Umbrella carriers typically require higher underlying auto liability—often $100k combined single limit or more. If your policy is at minimums, we’ll upgrade your underlying limits to qualify.
Home/Condo/Renters Liability
Most umbrellas require at least $100k personal liability on your homeowners/condo/renters policy. We’ll also look at watercraft, flood risks, and other exposures that may need scheduled underlying coverage due to Florida's weather patterns.
Landlords & Business Owners
Florida law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords and business owners often need a landlord or commercial umbrella to sit over those policies.
Rio Area Registration
In Martin County, including Rio, rental properties must comply with local regulations for habitability and insurance. We’ll coordinate certificates of insurance when your lender, association, or the county asks.
Tip: Keep records for teen drivers’ training, storm shutters, and any pet training—these can help with underwriting in Florida.
What Your Rio Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or lifetime care claims
- 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 Rio families start at $1M–$2M. If you have teen drivers, a pool, frequent boating, or higher assets/income, 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 Rio 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.
