The top-rated umbrella insurance agent in Cutler Bay, Florida is Ellie Mills - State Farm Insurance Agent, rated 5.0 stars across 715 reviews. Other highly rated options include Estrella Insurance, Choice One Insurance, Del Toro Insurance. This directory lists 12 umbrella insurance agents serving Cutler Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ellie Mills - State Farm Insurance Agent | 20330 Old Cutler Rd | (305) 238-8688 |
| 2 | Estrella Insurance | 20214 Old Cutler Rd | (305) 232-7690 |
| 3 | Choice One Insurance | 18400 SW 97th Ave STE 101 | (305) 252-1873 |
| 4 | Del Toro Insurance | 18651 S Dixie Hwy | (305) 252-1009 |
| 5 | Claudia's Insurance Inc | 18901 SW 106th Ave #132 | (786) 293-9141 |
| 6 | Arena Insurance Agency Corp | 10720 Caribbean Blvd Suite 423 | (305) 251-3312 |
| 7 | Lumina Insurance At Cutler Bay | 20250 S Dixie Hwy Ste 202 | (786) 409-0930 |
| 8 | Goosehead Insurance - Luis Andrew Ruiz & Eric Gray | 20325 Old Cutler Rd | (786) 685-2962 |
| 9 | Univista Insurance | 20280 Old Cutler Rd | (786) 401-2505 |
| 10 | Sure Insurance Agency | 20555 Old Cutler Rd | (305) 203-0289 |
Ellie Mills - State Farm Insurance Agent serves the Cutler Bay, Florida area, specializing in umbrella insurance policies that provide extra liability coverage. This insurer helps local homeowners and drivers protect their assets by offering personal liability protection beyond standard policy limits. The agency works alongside auto and home insurance to ensure clients have comprehensive coverage. It assists residents with assessing their risk exposure and selecting appropriate supplement limits. The firm handles both personal umbrella policies and coordination with existing homeowners insurance policies.
Estrella Insurance provides a range of umbrella insurance policies designed to offer additional liability coverage beyond standard home or auto limits. Its service plans typically include a thorough assessment of a client's existing coverage to identify gaps, followed by the implementation of a layer of protection for serious claims or lawsuits. The company maintains ongoing support through policy reviews and claims assistance tailored to the unique risks in Cutler Bay. It services single-family homes, apartments, retail spaces, and restaurants in the local area.
Serving residents and businesses in Cutler Bay, FL, Choice One Insurance provides comprehensive umbrella insurance agent services. These policies offer additional liability coverage beyond standard home and auto limits, protecting significant assets from unforeseen claims. The agency helps clients assess their unique risk exposure and determines appropriate coverage levels in case of costly lawsuits. Service includes periodic policy reviews and adjustments as asset portfolios grow or change over time. Choice One Insurance supports homeowners of single-family homes, apartment communities, retail spaces, and restaurants.
Del Toro Insurance serves local homeowners, businesses, and property managers in Cutler Bay, Florida, by providing umbrella insurance policies that add an extra layer of liability protection beyond standard coverage. These policies help clients safeguard assets against major claims and lawsuits that might exceed underlying policy limits. The agency assists customers in assessing their specific risk exposure and selecting appropriate coverage levels for their needs. Its services also extend to residents and business owners throughout the nearby Palmetto Bay area of southern Miami-Dade County.
Homeowners, businesses, and property managers in Cutler Bay seeking additional liability coverage beyond their standard policies turn to Claudia’s Insurance Inc for umbrella insurance. This local agency helps clients secure extra protection that can cover major claims, including those from auto accidents or incidents on their property. By working closely with each customer, they identify appropriate coverage levels to fill gaps and provide broader financial security. In addition to serving Cutler Bay, the agency extends its services to nearby neighborhoods and communities throughout southern Miami-Dade County.
Arena Insurance Agency Corp serves Cutler Bay and the surrounding South Florida communities, handling supplementary liability coverage known as umbrella insurance. This type of policy extends protection above the limits of standard home and auto policies, helping clients safeguard personal assets against major claims. The agency typically reviews a client’s existing coverage to identify potential exposure gaps and then recommends an appropriate umbrella limit. To handle a typical job, the agency coordinates with the client’s current insurers to ensure seamless policy integration and consistent claims coverage across all lines.
Lumina Insurance At Cutler Bay provides umbrella insurance agent services designed to offer added liability coverage beyond standard policies. Clients can choose between a one-time policy purchase for immediate, stable protection or a recurring service option that automatically updates coverage as personal circumstances evolve. This coverage helps shield assets from major claims or lawsuits that exceed primary policy limits. Service in the Cutler Bay, FL area runs on a one-time basis for a single policy placement, or as scheduled for annual renewals and adjustments as needed.
Goosehead Insurance, represented by agents Luis Andrew Ruiz and Eric Gray in Cutler Bay, Florida, provides specialized umbrella insurance coverage designed to extend liability protection beyond standard policies. The agency helps residential and commercial clients across the area secure additional layers of financial safety against unforeseen claims and lawsuits. Their general service work includes evaluating individual risk profiles to tailor supplemental coverage that meets local needs. During the South Florida hurricane season, the agency assists policyholders in evaluating whether their existing liability limits require increased protection.
Univista Insurance serves Cutler Bay, Florida and the surrounding South Miami-Dade communities. It handles umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. The agency helps clients protect assets such as savings and property from major claims or lawsuits. For a typical job, it reviews the client’s existing policies to identify coverage gaps and then recommends a suitable additional layer of protection.
As hurricane season in Cutler Bay brings heavy rains and flooding, local homeowners and drivers often need extra liability protection beyond standard policies. Sure Insurance Agency in Cutler Bay, FL, works as an umbrella insurance agent to help residents fill those coverage gaps. This agent explains how umbrella policies can defend assets from large claims following accidents or unexpected incidents on a property. The process begins with a review of existing home and auto policies, followed by an inspection of the property to assess potential risk exposures.
What Does an a Umbrella Insurance Agent in Cutler Bay Cost?
Umbrella insurance premiums in Florida typically range from 150 to 500 dollars per year for 1 million dollars in coverage. Costs increase with higher limits and additional risk factors like multiple properties or teenage drivers. This is general information and not insurance advice. Always consult a licensed agent for a quote tailored to your situation.
About umbrella insurance agents in Cutler Bay
Umbrella insurance agents in Cutler Bay Florida help residents secure extra liability coverage beyond standard policies. Florida law requires minimum auto liability limits of 10/20/10 but many drivers carry higher limits to protect assets. An agent can explain how an umbrella policy adds a layer of protection for your home and vehicle in this coastal community.
Frequently Asked Questions
What does an umbrella insurance agent in Cutler Bay do?
An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your auto and homeowners limits. In Florida this extra coverage can protect against lawsuits from accidents on your property or while driving. The agent reviews your assets and risk level to recommend an appropriate coverage amount.
How much umbrella coverage do I need in Cutler Bay Florida?
Common umbrella policy limits in Florida range from 1 million to 5 million dollars. The amount you need depends on your net worth and potential liability risks. An agent can help you assess factors like having a swimming pool or boat which are common in Cutler Bay.
Are there Florida laws that affect umbrella insurance policies?
Florida law requires insurers to offer umbrella policies that meet certain standards under Florida Statute 627.4147. These policies must provide coverage for personal injury and property damage claims. Your agent can explain how state laws affect your specific policy terms and exclusions.
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