In Florida, most umbrella policy projects cost between $150 and $500 per year, with a typical price near $250. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical umbrella policy cost
$150 – $500
per year · typical $250
A general planning range, not a quotation.
Umbrella policy cost breakdown
- $1 million coverage$150 – $300typical $200
- $2 million coverage$200 – $400typical $300
- $5 million coverage$350 – $600typical $450
At a glance
- Typical range$150 – $500
- Unitper year
- Cities covered121
What Umbrella Insurance costs
Provides $1 million+ in liability coverage above your auto and home policies. Costs $150–$500 annually for $1M–$5M limits, depending on risk factors like driving record and property. Protects against lawsuits and major claims.
By city in Florida
- Alafaya
- Altamonte Springs
- Apopka
- Aventura
- Boca Raton
- Bonita Springs
- Boynton Beach
- Bradenton
- Buenaventura Lakes
- Cape Coral
- Clearwater
- Clermont
- Coconut Creek
- Coral Gables
- Coral Springs
- Country Club
- Cutler Bay
- Davie
- Daytona Beach
- DeLand
- Deerfield Beach
- Delray Beach
- Deltona
- Doral
- Dunedin
- Egypt Lake-Leto
- Estero
- Fort Lauderdale
- Fort Myers
- Fort Pierce
- Fountainebleau
- Gainesville
- Greenacres
- Hallandale Beach
- Hialeah
- Hollywood
- Homestead
- Homosassa Springs
- Horizon West
- Jacksonville
- Jupiter
- Kendale Lakes
- Kendall
- Kendall West
- Kissimmee
- Lakeland
- Land O' Lakes
- Largo
- Lauderdale Lakes
- Lauderhill
- Leesburg
- Lehigh Acres
- Margate
- Meadow Woods
- Melbourne
- Miami
- Miami Beach
- Miami Gardens
- Miramar
- Navarre
- North Fort Myers
- North Lauderdale
- North Miami
- North Miami Beach
- North Port
- Oakland Park
- Ocala
- Ocoee
- Orlando
- Ormond Beach
- Oviedo
- Palm Bay
- Palm Beach Gardens
- Palm Coast
- Palm Harbor
- Panama City
- Pembroke Pines
- Pensacola
- Pine Hills
- Pinellas Park
- Plant City
- Plantation
- Poinciana
- Pompano Beach
- Port Charlotte
- Port Orange
- Port St. Lucie
- Princeton
- Richmond West
- Riverview
- Riviera Beach
- Royal Palm Beach
- Sanford
- Sarasota
- Sebring
- South Miami Heights
- Spring Hill
- St. Augustine
- St. Petersburg
- Sunrise
- Tallahassee
- Tamarac
- Tamiami
- Tampa
- The Acreage
- The Hammocks
- The Villages
- Titusville
- Town 'n' Country
- University
- Valrico
- Vero Beach South
- Wellington
- Wesley Chapel
- West Palm Beach
- Westchester
- Weston
- Winter Garden
- Winter Haven
- Winter Springs
- Zephyrhills
Frequently asked questions
How much umbrella insurance do I need?
Most experts recommend $1M–$5M, depending on assets. If you have substantial savings or high-risk exposure, consider higher limits.
What affects the premium?
Coverage limit, number of vehicles, home value, driving record, and whether you have a pool, trampoline, or dog. Claims history also matters.
How can I lower the cost?
Bundle with your auto/home insurer, increase underlying liability limits, maintain a clean driving record, and ask about multi-policy discounts.