The top-rated umbrella insurance agent in Clearwater, Florida is Escurra United Underwriters, rated 4.9 stars across 803 reviews. Other highly rated options include Florida Strategic Insurance, GreatFlorida Insurance: Jeff Callahan, Island Insurance Specialists Inc. This directory lists 19 umbrella insurance agents serving Clearwater.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Escurra United Underwriters | 2140 Drew St # L | (727) 536-1760 |
| 2 | Florida Strategic Insurance | 5830 142nd Ave N | (727) 546-6000 |
| 3 | GreatFlorida Insurance: Jeff Callahan | 1700 McMullen Booth Rd Ste D2 | (727) 315-0805 |
| 4 | Island Insurance Specialists Inc | 29170 US Hwy 19 N | (727) 754-5036 |
| 5 | Bay Area Insurance Shop, Inc. | 1452 Court St | (727) 446-4416 |
| 6 | The Turner Insurance Advisor Group aka Turner Insurance | 2121 NE Coachman Rd | (727) 442-0012 |
| 7 | Arrington Insurance of Florida | 1934 Soule Rd | (727) 595-8405 |
| 8 | Dimmitt Insurance | 25191 US Hwy 19 N B | (866) 763-6627 |
| 9 | Impel Insurance, LLC | 1831 N Belcher Rd. STE A1 | (727) 223-3765 |
| 10 | GreatFlorida Insurance: Mike Lazanis | 1468 Gulf to Bay Blvd | (727) 441-9080 |
Escurra United Underwriters serves Clearwater and surrounding Pinellas County, providing umbrella insurance agent services that extend liability coverage beyond standard policies. This firm helps local homeowners, auto owners, and landlords secure extra financial protection against major claims or lawsuits. By offering personalized policy assessments, the agent ensures clients understand how umbrella limits interact with existing insurance. Services typically include liability protection for personal injury, property damage, and rental property claims. Escurra United Underwriters handles both personal umbrella policies and excess liability coverage for high-net-worth clients.
Florida Strategic Insurance provides personal umbrella liability coverage that extends beyond the limits of standard home and auto policies. The agency routinely reviews each client's existing coverage to identify gaps in protection and tailors policies to suit individual risk exposures. They handle new policy setup and coordinate annual adjustments as property values change. Their service area includes Clearwater and surrounding communities in Pinellas County. The agency serves homeowners with single-family houses, owners of apartment buildings, retail establishments, and local restaurants.
GreatFlorida Insurance: Jeff Callahan serves homeowners, businesses, and property managers in Clearwater, Florida, seeking liability protection beyond standard policy limits. As an umbrella insurance agent, the company offers coverage that helps safeguard assets from major claims or lawsuits. This additional liability insurance can be crucial for those with significant property holdings or commercial operations. The agency also provides its umbrella insurance services to clients throughout the greater Tampa Bay metro area, including nearby Largo.
Island Insurance Specialists Inc serves the Clearwater area and surrounding communities in Pinellas County, handling umbrella insurance policies that extend liability coverage beyond standard home and auto limits. This coverage protects clients against large claims or lawsuits that exceed their underlying policy’s maximums, offering an extra layer of financial safety. For each typical job, the firm reviews the client’s existing policies, calculates a suitable excess limit, and ensures seamless alignment with the primary coverage to close gaps.
Bay Area Insurance Shop, Inc. specializes in providing umbrella insurance coverage for enhanced liability protection. As an agent in Clearwater, FL, the company assists clients in extending their policy limits beyond standard home and auto insurance. General service work includes evaluating personal assets and offering guidance on appropriate liability thresholds. It helps individuals and families safeguard against significant financial claims from accidents or unforeseen events, particularly during Florida's active hurricane season when property-related risks increase.
The Turner Insurance Advisor Group, operating as Turner Insurance in Clearwater, Florida, offers both one-time policy placements and recurring coverage updates for individual umbrella liability needs. Umbrella insurance provides additional liability protection beyond standard auto and homeowners policies, covering major claims and legal defense costs in this region. Clients may select a single policy purchase or an ongoing scheduled adjustment of limits to match changing assets. Service runs on either a one-time setup basis or as a recurring annual review, scheduled as needed.
With the Atlantic hurricane season often bringing heavy rains and storm surges to the Clearwater area, many homeowners look for added financial protection. Arrington Insurance of Florida provides umbrella insurance policies that extend liability coverage beyond standard home or auto limits. This safeguards local assets when a major claim or lawsuit exceeds primary insurance. A representative typically offers a consultation, reviewing existing policies and personal risk factors to begin the process.
Dimmitt Insurance works with clients throughout the Clearwater, Florida area to design property and casualty protection. For businesses seeking additional liability coverage beyond primary policies, the agency offers specialized umbrella insurance add-ons. These broader policies help fill gaps left by standard plans. With umbrella coverage, a company gains extra financial protection against major lawsuits or large claims. This can be invaluable for a range of commercial sectors, including offices, warehouses, and food service operations.
GreatFlorida Insurance: Mike Lazanis serves the Clearwater area as an umbrella insurance agent. This agency provides additional liability coverage that extends beyond the limits of standard home and auto policies. Clients in this region often need protection against major claims and lawsuits. The company helps residents secure broader financial safeguards for their assets. It can also pair an umbrella policy with other personal insurance lines for comprehensive risk management.
What Does an a Umbrella Insurance Agent in Clearwater 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. Premiums can be higher for properties with pools, trampolines, or boats. Factors like your driving record and claims history also affect the price. This is general information and not insurance advice.
About umbrella insurance agents in Clearwater
Umbrella insurance agents in Clearwater Florida help residents secure extra liability coverage beyond standard auto and home policies. Florida law requires minimum auto liability limits of 10,000 for property damage and 10,000 per person for bodily injury, making umbrella policies important for asset protection. An agent can explain how an umbrella policy covers legal defense costs and claims that exceed your primary insurance limits.
Frequently Asked Questions
What is an umbrella insurance policy in Florida?
An umbrella insurance policy provides additional liability coverage above the limits of your home and auto policies. In Florida it can protect you from large claims related to accidents on your property or while driving. It typically starts at 1 million dollars in coverage.
How much umbrella coverage do I need in Clearwater Florida?
The amount of umbrella coverage you need depends on your assets and risk exposure. Many agents recommend at least 1 million dollars in coverage for homeowners with a pool or boat. Florida law does not set a minimum umbrella limit but your primary auto and home policies must meet the insurers underlying requirements.
Do I need an umbrella policy if I have a pool in Florida?
Yes, having a pool in Florida increases your liability risk because pool accidents can lead to serious injuries. An umbrella policy can cover legal fees and settlements if a guest is injured in your pool. Most insurers require you to have at least 300,000 in liability on your homeowners policy before adding an umbrella.
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