The top-rated umbrella insurance agent in Miami Gardens, Florida is Estrella Insurance, rated 5.0 stars across 483 reviews. Other highly rated options include Brightway Insurance, Miami Lakes, Sebanda Insurance, Del Toro Insurance. This directory lists 14 umbrella insurance agents serving Miami Gardens.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Estrella Insurance | 3489 NW 183rd St | (305) 925-9944 |
| 2 | Brightway Insurance, Miami Lakes | 18191 NW 68th Ave Suite 222 | (305) 676-6762 |
| 3 | Sebanda Insurance | 4771 NW 167th St | (305) 390-8415 |
| 4 | Del Toro Insurance | 3753 NW 167th St Suite 102 | (786) 533-2513 |
| 5 | Gardens Insurance Inc | 1818 NW 183rd St | (305) 621-0072 |
| 6 | Adavi Insurance Inc & Miami Gardens Multi Services Inc | 4526 NW 183rd St | (305) 620-6636 |
| 7 | Renew Insurance LLC | 16533 NW 57th Ave | (305) 624-7300 |
| 8 | Univista Insurance | 17560 NW 27th Ave #111 | (645) 202-5621 |
| 9 | Insurance Exchange of America | 19868 NW 27th Ave | (305) 620-7555 |
| 10 | Bendell Insurance Group | 111 NW 183rd St Ste 108 | (786) 698-6383 |
Estrella Insurance serves Miami Gardens and the surrounding communities of South Florida. As an umbrella insurance agent, it handles policy layers that extend liability coverage beyond the limits of standard home, auto, or watercraft insurance. This extra protection helps safeguard personal assets against major claims or lawsuits. Current clients in the area may require coverage against accidents or property damage that exceed their primary policies. To handle a typical job, the company reviews a client's existing policies, assesses potential liability risks, and recommends an additional umbrella limit sufficient for that specific situation.
Brightway Insurance, Miami Lakes serves Miami Gardens, Florida, and the surrounding county as an umbrella insurance agent. It assists clients in obtaining extra liability coverage that extends beyond the limits of standard home or auto policies. This protection helps safeguard personal assets against major claims or lawsuits. The agency works with individuals to assess their coverage needs. It handles situations requiring higher policy limits and provides advice on selecting appropriate umbrella plans for financial security. Its specific services include helping clients with personal liability protection and excess liability coverage.
Sebanda Insurance provides umbrella insurance in Miami Gardens, Florida, distinguishing between one-time liability policies and recurring annual coverage that adapts to changing assets. This extended protection kicks in after homeowner or auto policy limits are exhausted, defending against large claims or lawsuits. The agency helps local residents select appropriate limits for households with rental properties or youthful drivers. Claims support connects policyholders directly with the appointed carrier. Service runs on either a one-time basis for a single policy period or as scheduled for annual renewals addressing evolving risk exposure.
As an umbrella insurance provider, Del Toro Insurance offers specialized liability coverage that extends beyond standard policy limits, safeguarding clients against major claims and lawsuits. The company serves Miami Gardens, Florida, residents and businesses by consulting on excess liability needs and tailoring policies to match individual risk profiles. It assists with evaluating potential coverage gaps in auto, home, and watercraft insurance. For area property owners, the firm commonly addresses increased liability exposure during the active Atlantic hurricane season, when storm-related incidents can lead to costly legal challenges.
Gardens Insurance Inc provides umbrella insurance agent services to clients in Miami Gardens, FL. It offers policies that extend liability coverage beyond standard home and auto limits, protecting personal assets from major claims. The firm helps clients assess their risk exposure and selects appropriate coverage amounts. Its service includes regular policy reviews to adjust limits as circumstances change. It services single-family homes, apartments, retail stores, and restaurants throughout the area.
Located in Miami Gardens, FL, Adavi Insurance Inc & Miami Gardens Multi Services Inc serves the area and its surrounding communities with comprehensive umbrella insurance agent services. The company handles excess liability coverage that extends beyond standard policy limits for added personal financial protection. This firm takes a straightforward approach to analyzing each client's risk exposure and current coverage gaps. It typically begins with a thorough review of existing home and auto policies before recommending appropriate umbrella protection for a client's situation.
Renew Insurance LLC serves local homeowners, business owners, and property managers seeking supplementary liability protection through umbrella insurance policies. The agency helps clients secure extra coverage beyond standard auto, home, or commercial policies to guard against major claims and lawsuits. Based in Miami Gardens, Florida, the firm assists residents and small businesses throughout northern Miami-Dade County and also extends its umbrella insurance services to neighboring communities such as Opa-locka and Hialeah.
Univista Insurance provides comprehensive umbrella insurance coverage to clients in Miami Gardens, Florida, offering an additional layer of liability protection beyond standard policies. This specialty coverage helps safeguard personal assets against major claims and lawsuits. The agency can support commercial sectors such as offices, warehouses, and food service operations, ensuring businesses have adequate protection for property and liability risks common in those industries.
As hurricane season approaches in Miami Gardens, unexpected storm damage often creates liability concerns for homeowners with pools or fences. Insurance Exchange of America offers umbrella insurance to extend coverage beyond standard policies, protecting personal assets from major claims or lawsuits. Their agents assess each client’s property and exposure, including risks from rented vehicles or non-auto accidents. A thorough initial assessment begins with reviewing your current primary policies to confirm appropriate umbrella limits for your situation.
Bendell Insurance Group in Miami Gardens, Florida, provides residential umbrella insurance to help protect homeowners from major liability claims that exceed standard policy limits. This agency also offers commercial umbrella coverage for local businesses needing extra protection beyond their primary general liability policies. Their service area encompasses Miami Gardens and the surrounding South Florida communities. Follow-up consultations ensure that each client’s coverage remains appropriate for changing circumstances, and repeat service between regular annual policy reviews helps address any emerging risks or asset changes.
What Does an a Umbrella Insurance Agent in Miami Gardens Cost?
The cost of umbrella insurance in Florida typically ranges from 150 to 300 dollars per year for 1 million dollars of coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Your premium depends on factors like your home value, number of vehicles, and personal risk profile. This is general information, not insurance advice.
About umbrella insurance agents in Miami Gardens
Umbrella insurance provides extra liability coverage beyond the limits of your auto and homeowners policies. In Miami Gardens, Florida, this coverage is important due to the state's high rate of uninsured drivers and the risk of lawsuits from accidents on your property. An agent can help you assess your risk and choose the right policy to protect your savings and future earnings.
Frequently Asked Questions
What does umbrella insurance cover in Miami Gardens?
Umbrella insurance covers personal liability claims like bodily injury, property damage, and certain lawsuits. It applies after your underlying auto or home policy limits are used up. In Florida, it can also cover legal defense costs if someone sues you for an accident on your property.
How much umbrella coverage do I need in Florida?
Most experts recommend at least 1 million dollars in umbrella coverage. In Florida, where medical costs can be high and lawsuits are common, higher limits may be wise if you own a home, have a pool, or have significant assets. Your agent can help you decide based on your net worth and risk factors.
Do I need umbrella insurance if I have a homeowners policy in Miami Gardens?
Yes, because your standard homeowners policy has liability limits that may not be enough for a major claim. For example, if someone is injured at your home and sues for medical bills and pain and suffering, umbrella insurance provides extra protection. Florida law does not require umbrella insurance, but it is strongly recommended for property owners.
Umbrella Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Cape Coral · Clearwater · Clermont · Coconut Creek · Cooper City · Coral Gables · Coral Springs · Crestview