Florida Umbrella Insurance

Kirstein Insurance Services can provide you with an Umbrella Insurance policy which is your protection against financial loss should someone bring a lawsuit against you. Umbrella coverage starts to protect you after you have exhausted your maximum liability limit of coverage under your Auto, Boat and Home primary Insurance policies.

If you cause a car accident where a victim is badly hurt or killed or if someone experiences a serious injury while in your home or your swimming pool, umbrella insurance will protect your assets. It also covers rare situations such as slander and libel as well as false imprisonment.

At Kirstein Insurance Services we work with many of the top insurance carriers across the country. Having multiple markets allows us to assure that we will find you the best policy for the best possible rate when choosing an Umbrella Policy.

Do You Have Enough Liability Insurance?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units?

If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

Liability Insurance Starts When the Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.

What’s Peace of Mind Worth to You?

The cost of an Umbrella Liability policy is minimal compared to the potential loss of your assets and comfort of knowing you’re adequately covered.

Umbrella Insurance Cost vs. Benefit

As you start to shop for umbrella Insurance policies, you may want to set up a “cost-benefit analysis” Here is some data to help you get started:

  • 13% of personal injury liability awards and settlements are $1 million or more
  • An estimated 1 in 5 people with considerable wealth do not have umbrella coverage
  • An average cost of about $380 per year can provide $1 to $2 million of protection

As you can see, there are several ways that an umbrella policy can help protect you for a relatively low cost.

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Office Hours
Monday – Friday
9am – 5pm


(561) 998-0950

4722 NW 2nd Ave C104
Boca Raton FL 33431

Kirstein Insurance Services


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