The top-rated umbrella insurance agent in Homestead, Florida is GoldenTrust Insurance Homestead, rated 5.0 stars across 1,697 reviews. Other highly rated options include Ocean Trust Insurance & Financial Services, Univista Insurance, Your Family First Insurance Inc. This directory lists 23 umbrella insurance agents serving Homestead.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | GoldenTrust Insurance Homestead | 40-42 SE 4th Rd | (786) 243-9110 |
| 2 | Ocean Trust Insurance & Financial Services | 809 N Homestead Blvd | (866) 356-2326 |
| 3 | Univista Insurance | 1413 N Krome Ave | (305) 728-7809 |
| 4 | Your Family First Insurance Inc | 1241 NE 8th St | (786) 601-2193 |
| 5 | Amco Insurance | 208 NE 8th St | (786) 243-9222 |
| 6 | South Florida Insurance Prof Inc | 1122 N Flagler Ave | (305) 245-3364 |
| 7 | Estrella Insurance | 30422 S Dixie Hwy | (305) 242-0232 |
| 8 | Del Toro Insurance | 1200 N Flagler Ave | (305) 248-9908 |
| 9 | Dorsal Insurance Inc | 106 N Homestead Blvd | (786) 601-2485 |
| 10 | F&N Insurance Group - Homestead | 23715 S Dixie Hwy | (305) 790-9979 |
GoldenTrust Insurance Homestead serves the greater Miami-Dade County area of South Florida, specializing in umbrella insurance policies. These policies provide an additional layer of liability coverage beyond a standard homeowner or auto policy. The agency helps local homeowners and drivers protect their assets from substantial claims or lawsuits that could exceed their primary coverage limits. Key areas of focus include securing personal umbrella policies for Homestead residents with sufficient net worth. Additional coverage for recreational vehicles or second homes in the region is also commonly arranged.
Ocean Trust Insurance & Financial Services in Homestead, FL provides umbrella insurance coverage that extends liability protection beyond standard policy limits. The agency offers tailored policy reviews to ensure clients maintain adequate coverage as their circumstances change. Regular account maintenance and consultation sessions help adjust policy limits to reflect current assets and risk exposures. Clients benefit from guidance on how umbrella policies interact with underlying homeowners and auto insurance. The company services a range of properties including single-family homes, apartments, retail spaces, and restaurants.
Univista Insurance offers residential umbrella coverage to protect Homestead homeowners from major liability claims. The agency also provides commercial umbrella policies for local businesses needing broader protection beyond standard limits. Serving Homestead, Florida, this firm assists clients throughout the surrounding Miami-Dade area. Policyholders can contact the office to review their existing coverage or obtain initial quotes for added liability peace of mind. The same agent typically follows up before renewal to ensure limits remain appropriate between regular annual visits.
Your Family First Insurance Inc in Homestead, FL serves homeowners and property managers seeking umbrella insurance to extend liability protection beyond standard policy limits. It also assists businesses and landlords in securing additional coverage for unexpected claims. The agency evaluates individual risk exposures and recommends appropriate umbrella policies that can safeguard assets. In addition to Homestead, it provides coverage for clients in the broader Florida City area.
Amco Insurance serves homestead, Florida, and surrounding communities in Miami-Dade County as an umbrella insurance agent. It handles excess liability policies that extend coverage beyond standard home and auto insurance limits, protecting clients from major claims and lawsuits. The company works with local homeowners and drivers to assess their risk exposure from common liabilities like accidents or property damage. To handle a typical job, it reviews existing policy limits and recommends appropriate excess coverage amounts based on each client’s personal assets and potential financial risks.
South Florida Insurance Prof Inc distinguishes between one-time policy purchases and recurring coverage options tailored to individual needs. Their umbrella insurance services extend beyond primary liability limits, offering additional protection for area residents in Homestead. Agents review existing auto, home, and watercraft policies to determine appropriate excess coverage levels. Appointments occur on an as-needed basis to match client schedules and changing insurance requirements.
Estrella Insurance serves the Homestead, Florida area as an Umbrella Insurance Agent. This agency provides extra liability coverage that extends beyond standard auto, home, or boat insurance policies. It helps protect local residents from major claims and lawsuits by adding a layer of financial security. The firm handles the adjustment of policy limits and the coordination of excess liability protection for both personal and commercial clients in the region.
Del Toro Insurance operates in Homestead, Florida, as an umbrella insurance agent known for providing additional liability coverage beyond standard policy limits. Its service range helps local residents and businesses protect assets from major claims or lawsuits. This agent focuses on advising clients about the risks of catastrophic events that could exceed basic coverage. A specialty service it can add on is personal liability protection for recreational properties, such as pools or boats.
Dorsal Insurance Inc serves homeowners, businesses, and property managers in Homestead, Florida, by offering umbrella insurance policies that extend liability coverage beyond standard limits. This additional protection helps safeguard assets against major claims and lawsuits that might otherwise deplete personal or commercial resources. The agency evaluates each client’s specific risk profile to recommend appropriate coverage levels that address potential financial exposure from accidents, injuries, or property damage. Dorsal Insurance Inc also serves clients in the neighboring city of Florida City, ensuring comprehensive liability options across the southern Miami-Dade metro area.
What Does an a Umbrella Insurance Agent in Homestead Cost?
Typical costs for a one million dollar umbrella insurance policy in Florida range from 150 to 300 dollars per year. Higher limits like two million dollars may cost 250 to 500 dollars annually. Factors that affect price include your driving record number of properties and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Homestead
An umbrella insurance agent in Homestead Florida helps you secure additional liability coverage that goes beyond your auto or homeowners policy limits. Florida law requires minimum liability coverage for drivers but does not mandate umbrella insurance. This extra layer is especially useful in a growing community like Homestead where property values and accident risks can be high.
Frequently Asked Questions
What does an umbrella insurance agent in Homestead do?
An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage. This policy kicks in after your underlying auto or home insurance limits are exhausted. The agent can explain how Florida laws affect coverage and help you choose the right limit for your situation.
How much umbrella coverage do I need in Homestead Florida?
Most agents recommend at least one million dollars in umbrella coverage for homeowners with significant assets. Florida courts can award large judgments in liability cases. Your agent will review your net worth and risk factors to suggest an appropriate limit.
Can I get umbrella insurance if I have a rental property in Homestead?
Yes you can get umbrella coverage for rental properties in Homestead. Florida landlord liability laws make this a smart choice. The policy covers claims like slip and fall injuries or property damage that exceed your rental property insurance limits.
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