The top-rated umbrella insurance agent in Coral Gables, Florida is GreatFlorida Insurance: Mike Carcas, rated 5.0 stars across 146 reviews. Other highly rated options include EME INSURANCE GROUP, Leticia Insurance Agency, GreatFlorida Insurance: Ana Patricia Arguello. This directory lists 16 umbrella insurance agents serving Coral Gables.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | GreatFlorida Insurance: Mike Carcas | 717 Ponce de Leon Blvd STE 211 | (305) 461-3232 |
| 2 | EME INSURANCE GROUP | 1600 Ponce de Leon Blvd Suite 1012 | (305) 300-6187 |
| 3 | Leticia Insurance Agency | 5538 SW 8th St | (305) 631-2094 |
| 4 | GreatFlorida Insurance: Ana Patricia Arguello | 1390 S Dixie Hwy Suite 2202 | (786) 409-2211 |
| 5 | A Group Services, Inc | 1 Alhambra Plz PH floor | (305) 774-1112 |
| 6 | We Insure Coral Gables - Rick Leal | 2600 Douglas Rd #905 | (305) 921-4057 |
| 7 | R.A. Brandon & Company, Inc. | 217 Aragon Ave | (305) 442-2340 |
| 8 | Brightway Insurance, The Debs Agency | 6915 Red Rd #209 | (305) 668-7070 |
| 9 | HUB International | 999 Ponce de Leon Blvd | (305) 842-3600 |
| 10 | Complete Insurance Agency | 717 Ponce de Leon Blvd STE 327 | (305) 667-7717 |
GreatFlorida Insurance: Mike Carcas serves Coral Gables and the surrounding Miami-Dade County area as a dedicated umbrella insurance agent. This firm specializes in providing supplemental liability coverage that extends beyond the limits of standard home and auto policies. Such coverage offers essential financial protection against major claims and lawsuits. The agency helps local homeowners and vehicle owners assess their need for additional security. It actively handles the placement of personal umbrella policies and assists with navigating the distinct liability concerns common to the Coral Gables region.
EME INSURANCE GROUP provides umbrella insurance coverage to clients throughout Coral Gables, Florida, offering liability protection that extends beyond the limits of standard homeowners or auto policies. Its service plans include policy review consultations to help ensure adequate coverage limits, as well as claim support assistance to guide clients through the supplemental claims process. The company typically serves owners of single-family homes, apartment buildings, retail spaces, and restaurants in the local area.
Leticia Insurance Agency serves homeowners, businesses, and property managers in Coral Gables, Florida, by offering umbrella insurance policies that provide additional liability coverage beyond standard policies. These policies protect clients from major claims and lawsuits, ensuring financial security when existing limits are exhausted. The agency assists with customizing coverage limits to fit individual asset levels and risk profiles. It also serves clients in the neighboring community of South Miami, extending its local expertise throughout the greater Miami metropolitan area.
GreatFlorida Insurance: Ana Patricia Arguello serves Coral Gables and the surrounding Miami-Dade communities as an umbrella insurance agent. It handles personal umbrella policies designed to provide supplementary liability coverage beyond the limits of standard homeowners and auto insurance. This helps protect clients from substantial financial claims that could result from accidents or unforeseen events. In handling each case, the agency generally reviews a client's existing primary coverage to identify potential gaps before tailoring a specific policy.
A Group Services, Inc offers umbrella insurance on either a one-time policy for a single term or as a scheduled renewal service for ongoing coverage that adapts as liabilities change. The agency advises on protection beyond standard limits for local homeowners and drivers in Coral Gables, helping to shield assets from major claims. This service operates primarily on an as-needed basis when clients request a quote or wish to review policy adjustments.
We Insure Coral Gables - Rick Leal specializes in providing umbrella insurance policies that offer supplementary liability coverage beyond standard home and auto plans. The agency serves clients throughout Coral Gables, Florida, helping them secure additional protection against major claims and lawsuits. Its general service work includes tailoring coverage limits to fit individual financial situations and asset levels. The agency is particularly helpful during the South Florida hurricane season, when property damage risks from storms can create greater exposure to liability claims.
R.A. Brandon & Company, Inc. provides comprehensive risk management services as an umbrella insurance agent in Coral Gables, Florida. The firm specializes in securing excess liability coverage that extends above the limits of standard policies, offering crucial protection for individuals or businesses with significant assets. Its expertise addresses the common liability exposures faced by commercial operations in the region, serving sectors such as offices, warehouses, and food service establishments.
Brightway Insurance, The Debs Agency in Coral Gables, FL provides umbrella insurance coverage for residential clients, safeguarding personal assets from major liability claims. The agency also offers similar commercial coverage for local businesses, serving policyholders throughout the Coral Gables area and surrounding communities. As an umbrella specialist, the broker helps clients bridge gaps left by standard homeowners policies. This dedicated approach encourages customers to return for follow-up service and policy adjustments between regular renewal visits.
For South Florida residents facing sudden thunderstorm or hurricane threats, securing additional liability coverage becomes essential. HUB International in Coral Gables, Florida, assists property owners and drivers by offering umbrella insurance agents who evaluate existing homeowner and auto policies. These agents determine appropriate surplus limits to protect assets beyond standard coverage amounts. Their local knowledge helps address specific regional exposures like flood-related liabilities. An initial consultation involves reviewing current policy declarations and personal risk factors before recommending tailored umbrella options for financial protection.
What Does an a Umbrella Insurance Agent in Coral Gables Cost?
The typical cost for a 1 million dollar umbrella policy in Florida ranges from 150 to 350 dollars per year. A 2 million dollar policy may cost 250 to 500 dollars annually. Rates vary based on your driving record number of properties and insurance carrier. This is general information not insurance advice.
About umbrella insurance agents in Coral Gables
An umbrella insurance agent in Coral Gables Florida helps you secure personal liability coverage that extends beyond the limits of your standard auto or homeowners policy. Florida law does not require umbrella insurance but it can protect your savings and future earnings from large lawsuits. Local agents understand the unique risks in South Florida including hurricane damage and high traffic areas.
Frequently Asked Questions
What does an umbrella insurance agent in Coral Gables do?
An umbrella insurance agent helps you purchase a personal liability policy that kicks in after your auto or home insurance limits are used up. This policy covers legal fees and settlements for claims like libel or accidents on your property. The agent tailors the coverage amount to your net worth and risk factors.
How much umbrella coverage do I need in Coral Gables Florida?
Most agents recommend at least 1 million dollars in umbrella coverage if your net worth exceeds your primary policy limits. Florida courts can award large verdicts in personal injury cases so higher coverage may be wise. Your agent will review your assets and liabilities to suggest an appropriate amount.
Do I need umbrella insurance if I have a homeowners policy in Florida?
Yes because homeowners liability limits are often 300 thousand dollars or less. A single lawsuit from a pool accident or dog bite could exceed that amount. Umbrella insurance provides an extra layer of protection that starts where your homeowners coverage ends.
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