Umbrella Insurance

Extra liability protection that kicks in when your home, auto, or boat policy limits run out. Peace of mind for families with assets to protect.

An umbrella policy provides an extra layer of liability protection above your home, auto, and boat insurance limits. On the Gulf Coast, where waterfront properties, boat ownership, and active outdoor lifestyles increase your exposure, umbrella coverage is a smart investment. Gulf Breeze Insurance Group writes personal umbrella policies starting at $1 million in additional coverage, typically for just a few hundred dollars per year. If you own a home, have teenage drivers, own a boat, or host guests at a pool or waterfront property, umbrella insurance protects your savings and assets from a catastrophic liability claim.

What's Included

Coverage starting at $1 million
Extends home, auto, and boat liability
Affordable annual premiums
Worldwide coverage included

Umbrella Insurance Service Areas

We provide umbrella insurance services across the Emerald Coast and Pensacola area.

Frequently Asked Questions

Who needs an umbrella policy?

Anyone with assets to protect should consider umbrella coverage. If you own a home, have a pool, own a boat, employ household workers, or have teenage drivers, your risk of a liability claim exceeding your standard policy limits is higher than you might think. Umbrella coverage fills that gap.

How much does an umbrella policy cost?

Most personal umbrella policies in our area cost between $200 and $500 per year for $1 million in coverage. Additional millions are even less expensive per increment. It's one of the best values in insurance.