The top-rated umbrella insurance agent in Fort Lauderdale, Florida is Estrella Insurance, rated 4.8 stars across 1,201 reviews. Other highly rated options include FLINSCO.com Florida Insurance Company, NSI Insurance Fort Lauderdale, MHG Insurance. This directory lists 28 umbrella insurance agents serving Fort Lauderdale.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Estrella Insurance | 3553 Davie Blvd | (954) 530-6967 |
| 2 | FLINSCO.com Florida Insurance Company | 2950 W Cypress Creek Rd #200 | (954) 929-6696 |
| 3 | NSI Insurance Fort Lauderdale | 2601 E Oakland Park Blvd Suite 100 | (954) 522-3800 |
| 4 | MHG Insurance | 1800 SE 10th Ave #320 | (954) 828-1819 |
| 5 | Family Insurance Services | 2699 Stirling Rd STE C405 | (954) 431-1233 |
| 6 | Vertical Insurance Agency, LLC | 2003 W Cypress Creek Rd STE 110 | (954) 604-6302 |
| 7 | Floridian Coastline Insurance | 2450 E Commercial Blvd Suite 200 | (954) 302-4531 |
| 8 | Pettineo Insurance Agency Inc. | 2428 E Commercial Blvd | (954) 493-9424 |
| 9 | Wonbrella | 215 N New River Dr E | (561) 901-4050 |
| 10 | One Insurance Services, LLC. | 1000 E Broward Blvd | (800) 716-9948 |
Serving Fort Lauderdale and surrounding communities in Broward County, Estrella Insurance handles the specialized needs of clients seeking umbrella insurance coverage. This type of policy provides an extra layer of liability protection beyond standard home and auto policies, a step many area residents take to guard assets against major claims or lawsuits. To assess a typical client’s situation, the company reviews existing policy limits and personal exposures in a detailed consultation. It then recommends appropriate higher-liability coverage to close gaps and strengthen overall financial security
FLINSCO.com Florida Insurance Company serves Fort Lauderdale and Broward County as a dedicated umbrella insurance agent. It assists clients by providing supplementary liability coverage that extends beyond standard homeowners and auto policies. This protection is designed to shield personal assets from large claims and lawsuits. The agency focuses on helping individuals and families secure higher policy limits for greater financial security. It handles tailored excess liability solutions for high-risk properties and personal watercraft ownership in the local coastal region.
NSI Insurance Fort Lauderdale provides comprehensive umbrella insurance agent services for clients seeking added liability protection beyond standard policies. Its service offerings include policy consultation, coverage assessment, and claims assistance, paired with regular policy review plans to ensure adequate limits over time. The agency helps safeguard assets from major claims or lawsuits. It services single-family homes, apartments, retail establishments, and restaurants throughout Fort Lauderdale, FL.
MHG Insurance serves homeowners, businesses, and property managers seeking personal umbrella coverage in Fort Lauderdale, Florida. It provides extra liability protection that goes beyond standard policy limits, helping clients safeguard assets such as homes and savings from major claims or lawsuits. By working with various carriers, the agency can tailor policies to fit individual risk profiles and financial needs. Its service area also extends to neighboring communities throughout Broward County, including Hollywood and Pompano Beach.
Serving Fort Lauderdale and the surrounding communities of Broward County, Family Insurance Services handles umbrella insurance policies that provide extra liability coverage beyond standard home and auto plans. This additional layer of protection is designed to help clients safeguard their assets against major claims or lawsuits. The agency’s approach to a typical job begins with a thorough review of the client’s existing coverage limits, followed by a consultation to determine the proper amount of supplemental liability needed.
Vertical Insurance Agency, LLC, in Fort Lauderdale, FL, provides umbrella insurance policies, which differ from standard primary liability coverage by offering broader protection as a one-time annual policy rather than a recurring monthly service. These policies extend additional liability limits above homeowners or auto insurance, safeguarding clients against major claims or lawsuits. Operating only on an as-needed basis, the agency handles new policy issuance and annual renewals as requested.
Floridian Coastline Insurance specializes in linking local homeowners and vehicle owners to umbrella liability coverage that extends well beyond standard policy limits. Based in Fort Lauderdale, the agency guides clients through the process of selecting appropriate excess protection for their personal assets and future earnings. This service helps residents address the increased financial risks common in coastal living, such as hurricane-related property claims or accidents involving boat rentals. The agency particularly assists policyholders preparing for storm season, when liability exposure from temporary repairs or contractor visits often rises.
For one-time service, Pettineo Insurance Agency Inc. provides a single umbrella policy tailored to current liabilities, while recurring options adjust coverage each year as assets evolve. Typical umbrella policies in Fort Lauderdale extend liability protection beyond standard home and auto limits, guarding against major claims. Policies from this agency cover legal defense costs and high-value settlements a client might face. Service runs on an as-needed basis, triggered by life events like asset acquisition or liability exposure changes.
With hurricane season threatening South Florida each year, homeowners in Fort Lauderdale often seek dependable coverage for liabilities that primary policies may not fully address. One Insurance Services, LLC assists local residents by offering umbrella insurance policies designed to provide a broad safety net against unexpected liability claims and lawsuits. Their process evaluates each client’s existing homeowners and auto insurance to determine appropriate coverage limits. To begin, representatives schedule an appointment to review current policies and discuss specific concerns, initiating the first step of a tailored risk assessment.
What Does an a Umbrella Insurance Agent in Fort Lauderdale Cost?
The cost of umbrella insurance in Florida typically ranges from 150 to 500 per year for one million dollars in coverage. Premiums vary based on your risk factors such as number of vehicles drivers and property value. Higher coverage limits of two million dollars may cost between 250 and 700 annually. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About umbrella insurance agents in Fort Lauderdale
Umbrella insurance provides extra liability coverage beyond standard home and auto policies. In Fort Lauderdale Florida this coverage is especially valuable due to the state's high rate of personal injury lawsuits and the risk of hurricane-related property damage claims. A local agent can help you secure a policy that meets Florida's minimum underlying coverage requirements and protects your assets from large judgments.
Frequently Asked Questions
What is umbrella insurance and why do I need it in Fort Lauderdale?
Umbrella insurance is a personal liability policy that kicks in after your auto or home insurance limits are exhausted. In Fort Lauderdale it helps protect against costly lawsuits from accidents on your property or car crashes. Florida law does not require umbrella coverage but it is recommended for those with significant assets or high liability risks.
How much umbrella insurance coverage should I get in Florida?
Most agents recommend a minimum of one million dollars in umbrella coverage. Florida courts often award large verdicts in personal injury cases so higher limits like two million or five million may be prudent. Your agent will help you assess your net worth and risk exposure to choose an appropriate limit.
What are the requirements for umbrella insurance in Florida?
To qualify for an umbrella policy you must first have certain underlying coverage limits on your auto and home insurance. Florida law requires at least 250000 per person and 500000 per accident for bodily injury liability on your auto policy. Your home insurance must also have at least 300000 in liability coverage. An agent can verify your current policies meet these thresholds.
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