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Find Umbrella Insurance Agents Near You in Lutz, FL
Directory of umbrella insurance agents in Lutz, Florida. Verify credentials with the state department of insurance before hiring.
7 agents listed
Updated May 2026
Lutz, 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 7 umbrella insurance agents in Lutz, 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.
Dennis Insurance Agency, Inc.
209 Crystal Grove Blvd STE 101, Lutz, FL 33548
(813) 949-6480
dennisagency.com
Brightway Insurance - The Lutz Agency
1527 Dale Mabry Hwy STE 100, Lutz, FL 33548
(813) 403-5600
brightwayinsurancelutz.com
We Insure Lutz - Mike Hanke
1845 Collier Pkwy Ste F, Lutz, FL 33549
(813) 575-1580
weinsuregroup.com
Florida Insurance Team
1843 Collier Pkwy, Lutz, FL 33549
(888) 249-8396
flinsuranceteam.com
We Insure Premier Group
2915 Allegra Wy, Lutz, FL 33559
(813) 713-7194
weinsurepremiergroup.com
Insurance Finders of Florida
25200 Sawyer Francis Ln Suite 106, Lutz, FL 33559
(813) 807-7020
insurancefindersofflorida.com
GreatFlorida Insurance - Milane Miranda
24140 FL-54 Suite 105, Lutz, FL 33559
(813) 949-2995
lutz.greatflorida.com
An umbrella insurance agent in Lutz Florida helps you secure additional liability coverage that goes beyond your auto and homeowners policies. Florida law does not require umbrella insurance, but it can protect your savings and future income from large claims or lawsuits. Local agents understand the unique risks of living in a hurricane-prone area and can tailor coverage to your situation.
What Does a Umbrella Insurance Agent in Lutz Cost?
The cost of an umbrella insurance policy in Florida typically ranges from 150 to 400 dollars per year for 1 million dollars of coverage. Higher limits of 2 to 5 million dollars may cost between 300 and 800 dollars annually. Your actual premium depends on factors like your number of vehicles, home value, and claims history. 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 Lutz do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides extra coverage above your existing insurance limits. They assess your assets and risk exposure to recommend an appropriate coverage amount. In Florida, this is especially important because the state has high rates of litigation and large jury verdicts.
How much umbrella insurance do I need in Florida?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your net worth and potential risks. Florida law does not set a minimum requirement for umbrella insurance. Your agent will help you calculate a limit that protects your home, vehicles, and other assets.
Can I get umbrella insurance if I have a pool or a boat in Lutz?
Yes, an umbrella insurance agent in Lutz can help you get coverage even if you own a pool or a boat. These features increase your liability risk, so the agent will review your current policies to ensure the umbrella policy works with them. Florida law requires boat owners to have certain liability limits before an umbrella policy can apply.
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Notice
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.