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Compare umbrella insurance agents in Kissimmee. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Kissimmee, 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 20 umbrella insurance agents in Kissimmee, 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.
Umbrella insurance provides an extra layer of liability coverage beyond your standard auto or homeowners policy. In Kissimmee, Florida, this coverage is especially important due to the states high rate of personal injury lawsuits and hurricane-related property claims. A local agent can help you assess your risk and secure a policy that meets Florida insurance requirements.
What Does a Umbrella Insurance Agent in Kissimmee Cost?
The cost of umbrella insurance in Florida typically ranges from 150 to 350 dollars per year for 1 million dollars in coverage. Higher limits, such as 2 million or 5 million dollars, can cost 300 to 800 dollars annually. Factors like your driving record, property value, and number of rental properties affect the premium. 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 Kissimmee do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that covers claims exceeding your primary insurance limits. They evaluate your assets, driving habits, and property risks to recommend appropriate coverage amounts. In Florida, agents must be licensed by the state and follow Florida Insurance Code regulations.
How much umbrella insurance do I need in Kissimmee Florida?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential liability risks. Florida law does not set a minimum for umbrella policies, but many insurers require underlying auto or homeowners coverage limits of 250,000 or 300,000 dollars. An agent can help you calculate a suitable amount based on your personal situation.
Is umbrella insurance required by law in Florida?
Umbrella insurance is not required by Florida law. However, it is strongly recommended for homeowners, boat owners, and drivers who want extra protection against large lawsuits. Florida has no-fault auto insurance laws, but umbrella policies can cover claims that exceed the state minimum liability limits of 10,000 dollars for property damage and 20,000 dollars for bodily injury.
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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.