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Find Umbrella Insurance Agents Near You in Fernandina Beach, FL
Compare umbrella insurance agents in Fernandina Beach. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 10 umbrella insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
Fernando Cevallos - State Farm Insurance Agent
474418 E State Rd 200, Fernandina Beach, FL 32034
(904) 261-2664
fernandinafern.com
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034
(904) 310-6515
8flags.com
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034
(904) 746-4648
compassgroupinsurance.com
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034
(904) 432-8736
agents.estrellainsurance.com
Nelson & Associates Insurance, LLC.
1890 S 14th St #301, Fernandina Beach, FL 32034
(904) 326-3288
nelsonandassociatesinsurance.com
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034
(904) 261-0707
morrowig.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
Raulerson Insurance Group
1901 Island Walkway #113, Fernandina Beach, FL 32034
(904) 267-1585
raulersoninsurance.com
Umbrella insurance agents in Fernandina Beach help residents secure extra liability coverage beyond standard auto and homeowners policies. Florida law requires minimum auto liability limits, but umbrella policies provide additional protection for accidents or lawsuits. Local agents understand the risks of coastal living and can tailor coverage to your needs.
What Does a Umbrella Insurance Agent in Fernandina Beach Cost?
Umbrella insurance in Florida typically costs between 150 and 350 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Costs vary based on your risk profile, number of vehicles, and property values. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Fernandina Beach do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that extends coverage above your existing auto and home insurance limits. They assess your assets and risks to recommend appropriate coverage amounts. This is important in Florida due to high hurricane and tourist-related liability risks.
How much umbrella insurance do I need in Fernandina Beach?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability exposure. Florida law does not set a specific minimum for umbrella policies, but many insurers require underlying auto and home coverage limits of 300,000 dollars. Your agent can help calculate a suitable limit.
Can I add umbrella insurance if I have a rental property in Fernandina Beach?
Yes, umbrella insurance can cover liability from rental properties you own in Fernandina Beach. Florida statutes impose strict liability on property owners for certain injuries, so extra coverage is wise. Your agent will need details about the property to ensure proper coverage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.