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Directory of umbrella insurance agents in St Cloud, Florida. Verify credentials with the state department of insurance before hiring.
19 agents listed
Updated May 2026
St Cloud, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 19 umbrella insurance agents in St Cloud, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Univista Insurance
521 13th St, St Cloud, FL 34769
(407) 964-1787
univistainsuranceorlando.com
MM Insurance Pro
1207 Michigan Ave, St Cloud, FL 34769
(407) 908-7474
mminsurancepro.com
Client Care Insurance
2001 Hickory Tree Rd, St Cloud, FL 34772
(407) 574-5599
clientcareinsurance.com
Dolly Clements Garcia - State Farm Insurance Agent
1101 New York Ave, St Cloud, FL 34769
(407) 556-3203
dollyclements.com
Ford Insurance
113 E 13th St, St Cloud, FL 34769
(407) 847-5892
fordinsfl.com
Amsley Insurance Services
1617 13th St, St Cloud, FL 34769
(407) 892-9645
amsleyinsurance.com
GreatFlorida Insurance: Tony Busby
1417 Hamlin Ave UNIT G, St Cloud, FL 34771
(407) 270-8220
lakenona.greatflorida.com
Advantage Insurance Advisors - St. Cloud
910 13th St, St Cloud, FL 34769
(321) 945-8153
helpmeaia.com
Barakat Insurance Agency
2722 13th St, St Cloud, FL 34769
(407) 705-3877
barakatinsurance.com
Central Care Insurance
3415 Perching Rd, St Cloud, FL 34772
(833) 339-6434
centralcareinsurance.com
Ashton Insurance Agency LLC
123 E 13th St, St Cloud, FL 34769
(407) 498-4477
theashtoninsuranceagency.com
Marcus Polk: Allstate Insurance
2015 13th St, St Cloud, FL 34769
(407) 891-7681
agents.allstate.com
Brightway Insurance, The Sterner Agency
1451 E Irlo Bronson Memorial Hwy, St Cloud, FL 34771
(407) 891-9361
brightway.com
Gaston Financial Group
1121 Kentucky Ave, St Cloud, FL 34769
(407) 346-1946
gastonfinancialgroup.com
ClaimsPro USA
3223 Countryside View Dr, St Cloud, FL 34772
(833) 252-4601
claimsprousa.com
Green Light Insurance Agency
3425 13th St, St Cloud, FL 34769
(321) 766-4691
greenlightinsuranceagency.com
Newman Debra
1102 New York Ave, St Cloud, FL 34769
(407) 892-6300
Health Insurance St. Cloud
1900 Fawn Meadow Cir, St Cloud, FL 34772
(863) 349-3669
healthcare.gov
Kocher Insurance, LLC
1312 Illinois Ave Suite H, St Cloud, FL 34769
(407) 957-1918
kocherinsurancellc.com
An umbrella insurance agent in St Cloud Florida can help you add an extra layer of liability protection beyond your home and auto policies. Florida law requires minimum auto liability limits of 10/20/10, but a serious accident can quickly exceed those amounts. An umbrella policy helps cover the gap and protects your savings and future earnings.
What Does a Umbrella Insurance Agent in St Cloud Cost?
The cost of an umbrella insurance policy in Florida typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Factors that affect the price include your driving record, the number of properties you own, and your insurance score. Adding additional million-dollar increments usually costs less than the first million. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in St Cloud do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy. This policy provides additional coverage above your existing home and auto insurance limits. It also covers certain claims your primary policies may exclude, such as libel or slander.
How much umbrella coverage do I need in Florida?
Most agents recommend at least 1 million dollars in umbrella coverage. Florida has high medical costs and a litigious environment, so higher limits may be wise if you own a home, have significant assets, or engage in activities like boating. Your agent can help assess your risk.
Is umbrella insurance required in Florida?
No, umbrella insurance is not required by Florida law. However, it is strongly recommended if you have assets to protect. Florida does not have a cap on pain and suffering damages in personal injury cases, so a lawsuit could exceed your standard policy limits.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.