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HomeUmbrella Insurance AgentsFlorida › Cutler Bay

Find Umbrella Insurance Agents Near You in Cutler Bay, FL

Browse umbrella insurance agents serving Cutler Bay, Florida. Updated 2026-07-14.

The top-rated umbrella insurance agent in Cutler Bay, Florida is Ellie Mills - State Farm Insurance Agent, rated 5.0 stars across 715 reviews. Other highly rated options include Estrella Insurance, Choice One Insurance, Del Toro Insurance. This directory lists 12 umbrella insurance agents serving Cutler Bay.

Showing 12 umbrella insurance agents in Cutler Bay, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ellie Mills - State Farm Insurance Agent20330 Old Cutler Rd(305) 238-8688
2Estrella Insurance20214 Old Cutler Rd(305) 232-7690
3Choice One Insurance18400 SW 97th Ave STE 101(305) 252-1873
4Del Toro Insurance18651 S Dixie Hwy(305) 252-1009
5Claudia's Insurance Inc18901 SW 106th Ave #132(786) 293-9141
6Arena Insurance Agency Corp10720 Caribbean Blvd Suite 423(305) 251-3312
7Lumina Insurance At Cutler Bay20250 S Dixie Hwy Ste 202(786) 409-0930
8Goosehead Insurance - Luis Andrew Ruiz & Eric Gray20325 Old Cutler Rd(786) 685-2962
9Univista Insurance20280 Old Cutler Rd(786) 401-2505
10Sure Insurance Agency20555 Old Cutler Rd(305) 203-0289
EM
20330 Old Cutler Rd
Ellie Mills - State Farm Insurance Agent
Umbrella Insurance Agent · Cutler Bay, FL

Ellie Mills - State Farm Insurance Agent serves the Cutler Bay, Florida area, specializing in umbrella insurance policies that provide extra liability coverage. This insurer helps local homeowners and drivers protect their assets by offering personal liability protection beyond standard policy limits. The agency works alongside auto and home insurance to ensure clients have comprehensive coverage. It assists residents with assessing their risk exposure and selecting appropriate supplement limits. The firm handles both personal umbrella policies and coordination with existing homeowners insurance policies.

EI
20214 Old Cutler Rd
Estrella Insurance
Umbrella Insurance Agent · Cutler Bay, FL

Estrella Insurance provides a range of umbrella insurance policies designed to offer additional liability coverage beyond standard home or auto limits. Its service plans typically include a thorough assessment of a client's existing coverage to identify gaps, followed by the implementation of a layer of protection for serious claims or lawsuits. The company maintains ongoing support through policy reviews and claims assistance tailored to the unique risks in Cutler Bay. It services single-family homes, apartments, retail spaces, and restaurants in the local area.

CO
18400 SW 97th Ave STE 101
Choice One Insurance
Umbrella Insurance Agent · Cutler Bay, FL

Serving residents and businesses in Cutler Bay, FL, Choice One Insurance provides comprehensive umbrella insurance agent services. These policies offer additional liability coverage beyond standard home and auto limits, protecting significant assets from unforeseen claims. The agency helps clients assess their unique risk exposure and determines appropriate coverage levels in case of costly lawsuits. Service includes periodic policy reviews and adjustments as asset portfolios grow or change over time. Choice One Insurance supports homeowners of single-family homes, apartment communities, retail spaces, and restaurants.

DT
18651 S Dixie Hwy
Del Toro Insurance
Umbrella Insurance Agent · Cutler Bay, FL

Del Toro Insurance serves local homeowners, businesses, and property managers in Cutler Bay, Florida, by providing umbrella insurance policies that add an extra layer of liability protection beyond standard coverage. These policies help clients safeguard assets against major claims and lawsuits that might exceed underlying policy limits. The agency assists customers in assessing their specific risk exposure and selecting appropriate coverage levels for their needs. Its services also extend to residents and business owners throughout the nearby Palmetto Bay area of southern Miami-Dade County.

CS
18901 SW 106th Ave #132
Claudia's Insurance Inc
Umbrella Insurance Agent · Cutler Bay, FL

Homeowners, businesses, and property managers in Cutler Bay seeking additional liability coverage beyond their standard policies turn to Claudia’s Insurance Inc for umbrella insurance. This local agency helps clients secure extra protection that can cover major claims, including those from auto accidents or incidents on their property. By working closely with each customer, they identify appropriate coverage levels to fill gaps and provide broader financial security. In addition to serving Cutler Bay, the agency extends its services to nearby neighborhoods and communities throughout southern Miami-Dade County.

AI
10720 Caribbean Blvd Suite 423
Arena Insurance Agency Corp
Umbrella Insurance Agent · Cutler Bay, FL

Arena Insurance Agency Corp serves Cutler Bay and the surrounding South Florida communities, handling supplementary liability coverage known as umbrella insurance. This type of policy extends protection above the limits of standard home and auto policies, helping clients safeguard personal assets against major claims. The agency typically reviews a client’s existing coverage to identify potential exposure gaps and then recommends an appropriate umbrella limit. To handle a typical job, the agency coordinates with the client’s current insurers to ensure seamless policy integration and consistent claims coverage across all lines.

LI
20250 S Dixie Hwy Ste 202
Lumina Insurance At Cutler Bay
Umbrella Insurance Agent · Cutler Bay, FL

Lumina Insurance At Cutler Bay provides umbrella insurance agent services designed to offer added liability coverage beyond standard policies. Clients can choose between a one-time policy purchase for immediate, stable protection or a recurring service option that automatically updates coverage as personal circumstances evolve. This coverage helps shield assets from major claims or lawsuits that exceed primary policy limits. Service in the Cutler Bay, FL area runs on a one-time basis for a single policy placement, or as scheduled for annual renewals and adjustments as needed.

GI
20325 Old Cutler Rd
Goosehead Insurance - Luis Andrew Ruiz & Eric Gray
Umbrella Insurance Agent · Cutler Bay, FL

Goosehead Insurance, represented by agents Luis Andrew Ruiz and Eric Gray in Cutler Bay, Florida, provides specialized umbrella insurance coverage designed to extend liability protection beyond standard policies. The agency helps residential and commercial clients across the area secure additional layers of financial safety against unforeseen claims and lawsuits. Their general service work includes evaluating individual risk profiles to tailor supplemental coverage that meets local needs. During the South Florida hurricane season, the agency assists policyholders in evaluating whether their existing liability limits require increased protection.

UI
20280 Old Cutler Rd
Univista Insurance
Umbrella Insurance Agent · Cutler Bay, FL

Univista Insurance serves Cutler Bay, Florida and the surrounding South Miami-Dade communities. It handles umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. The agency helps clients protect assets such as savings and property from major claims or lawsuits. For a typical job, it reviews the client’s existing policies to identify coverage gaps and then recommends a suitable additional layer of protection.

SI
20555 Old Cutler Rd
Sure Insurance Agency
Umbrella Insurance Agent · Cutler Bay, FL

As hurricane season in Cutler Bay brings heavy rains and flooding, local homeowners and drivers often need extra liability protection beyond standard policies. Sure Insurance Agency in Cutler Bay, FL, works as an umbrella insurance agent to help residents fill those coverage gaps. This agent explains how umbrella policies can defend assets from large claims following accidents or unexpected incidents on a property. The process begins with a review of existing home and auto policies, followed by an inspection of the property to assess potential risk exposures.

AD
18450 SW 97th Ave
All Dade Insurance
Umbrella Insurance Agent · Cutler Bay, FL
(786) 730-7961
SI
20523 Old Cutler Rd
Statewide Insurance Consultants
Umbrella Insurance Agent · Cutler Bay, FL
(305) 233-4611

What Does an a Umbrella Insurance Agent in Cutler Bay Cost?

Umbrella insurance premiums in Florida typically range from 150 to 500 dollars per year for 1 million dollars in coverage. Costs increase with higher limits and additional risk factors like multiple properties or teenage drivers. This is general information and not insurance advice. Always consult a licensed agent for a quote tailored to your situation.

About umbrella insurance agents in Cutler Bay

Umbrella insurance agents in Cutler Bay Florida help residents secure extra liability coverage beyond standard policies. Florida law requires minimum auto liability limits of 10/20/10 but many drivers carry higher limits to protect assets. An agent can explain how an umbrella policy adds a layer of protection for your home and vehicle in this coastal community.

Frequently Asked Questions

What does an umbrella insurance agent in Cutler Bay do?

An umbrella insurance agent helps you purchase a personal liability policy that covers claims above your auto and homeowners limits. In Florida this extra coverage can protect against lawsuits from accidents on your property or while driving. The agent reviews your assets and risk level to recommend an appropriate coverage amount.

How much umbrella coverage do I need in Cutler Bay Florida?

Common umbrella policy limits in Florida range from 1 million to 5 million dollars. The amount you need depends on your net worth and potential liability risks. An agent can help you assess factors like having a swimming pool or boat which are common in Cutler Bay.

Are there Florida laws that affect umbrella insurance policies?

Florida law requires insurers to offer umbrella policies that meet certain standards under Florida Statute 627.4147. These policies must provide coverage for personal injury and property damage claims. Your agent can explain how state laws affect your specific policy terms and exclusions.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.