The top-rated umbrella insurance agent in Miami, Florida is First Choice Insurance Agency Corp, rated 5.0 stars across 1,892 reviews. Other highly rated options include USA General Insurance Corporation, Dulcinea Insurance Agency, Blue Sky Insurance & Immigration Services. This directory lists 95 umbrella insurance agents serving Miami.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Choice Insurance Agency Corp | 7540 SW 117th Ave | (786) 360-1021 |
| 2 | USA General Insurance Corporation | 13631 SW 26th St | (305) 386-3305 |
| 3 | Dulcinea Insurance Agency | 1840 Coral Wy #221 | (786) 910-9487 |
| 4 | Blue Sky Insurance & Immigration Services | 1619 SW 107th Ave | (786) 391-3886 |
| 5 | Neighbors Insurance Agency | 7130 SW 43rd St | (305) 265-8585 |
| 6 | American Insurance Point - AIP FLORIDA | 999 Brickell Ave # 410 | (305) 440-0212 |
| 7 | Caley Insurance | 12260 SW 8th St Suite #122 | (305) 800-2985 |
| 8 | Manny Morin - State Farm Insurance Agent | 10651 N Kendall Dr #111 | (305) 598-5821 |
| 9 | Estrella Insurance | 12460 SW 8th St Suite #101 | (305) 553-4800 |
| 10 | E&L Insurance | 1241 SW 27th Ave | (305) 541-1002 |
First Choice Insurance Agency Corp in Miami, Florida provides umbrella insurance policies that extend extra liability protection beyond standard home or auto coverage. Its service plans include policy review consultations to help clients understand their personal coverage gaps. The company also offers assistance with adjusting coverage limits as clients acquire new assets. It provides ongoing support for claim-related inquiries involving secondary liability layers. This agency handles protection for single-family homes, apartments, retail locations, and restaurants.
USA General Insurance Corporation serves homeowners, businesses, and property managers in Miami, Florida, by helping them secure umbrella insurance policies that provide extra liability coverage beyond standard limits. The agency assists clients in navigating policy options to protect assets from major claims or lawsuits. Its work focuses on layering additional coverage for residential and commercial properties, ensuring clients have broader financial safeguards. The company also extends its services to residents and operators in the nearby Fort Lauderdale metropolitan area.
Dulcinea Insurance Agency in Miami, Florida, assists clients with both one-time liability policies and recurring coverage that is renewed each term. Umbrella insurance adds an extra layer of protection above a primary auto or homeowners policy, providing higher limits when a major claim is made. The agency serves residents in the surrounding area who need to safeguard their personal assets against unforeseen lawsuits. All service is available on an as-needed basis for individuals seeking a quote or policy review.
Blue Sky Insurance & Immigration Services in Miami, FL specializes in umbrella insurance agent work alongside immigration services. It helps clients extend their liability coverage beyond standard home and auto policies, offering financial protection against major claims or lawsuits. In hurricane-prone Miami, this agent particularly assists homeowners with additional coverage gaps that arise after storm-related property damage claims are made.
Neighbors Insurance Agency provides general liability coverage to clients in the Miami area. The firm specializes in umbrella insurance, offering an extra layer of protection above standard policy limits to guard against major claims or lawsuits. This added coverage helps individuals and businesses manage financial risk from unforeseen incidents. The agency serves commercial sectors such as offices, warehouses, and food service operations.
American Insurance Point - AIP FLORIDA in Miami provides residential umbrella insurance services, helping homeowners protect personal assets from major liability claims. The company also supports commercial clients in Miami with additional coverage layers that fill gaps in existing policies. Serving the Miami area, they offer consultations that clarify how an umbrella policy works with underlying auto and home insurance. Policyholders can contact the office between regular visits when adjusting coverage limits to match changing property values or life circumstances.
Caley Insurance serves Hialeah, Florida, and the surrounding Miami-Dade County communities with dedicated umbrella insurance agent services. The company handles personal and commercial umbrella policies designed to provide additional liability coverage beyond standard home or auto limits. It reviews each client’s existing insurance portfolio to identify potential gaps in coverage and recommends appropriate supplemental liability layers. For a typical job, it takes time to assess individual risk exposures and then presents clear options that extend protection against large claims.
Manny Morin - State Farm Insurance Agent serves Miami homeowners, businesses, and property managers seeking umbrella insurance to extend liability coverage beyond standard policies. This agent helps clients protect assets against major claims and lawsuits that could otherwise exceed underlying policy limits. Umbrella insurance here covers legal defense costs and settlements for incidents on residential or commercial property. The agency also assists neighbors in Kendall, offering similar personalized risk management solutions for additional property and asset protection in the surrounding metro area.
Estrella Insurance serves Miami homeowners with liability protection beyond standard policy limits. The agency also offers commercial umbrella coverage for businesses managing greater risk exposure via a single agent. Clients throughout the city receive tailored advice to coordinate excess layers with their underlying property and auto policies. Account reviews accommodate seasonal changes in assets or operations, encouraging regular follow‑up for updated needs between each renewal period.
E&L Insurance, based in Miami, Florida, is a local agency recognized for providing personal umbrella coverage that extends liability protection beyond standard auto, home, and watercraft policies. Its service range helps clients safeguard assets against major claims and lawsuits common in the region. The company typically works with both high-net-worth individuals and families seeking extra security. An additional specialty service it can offer is excess liability coverage for rental properties in the area.
What Does an a Umbrella Insurance Agent in Miami Cost?
In Florida, a one million dollar umbrella insurance policy usually costs between 150 and 400 dollars annually. Higher coverage amounts, such as two million or five million dollars, will increase the premium. Your final cost depends on your personal risk profile, including your driving record and the value of your assets. This is general information and not insurance advice.
About umbrella insurance agents in Miami
An umbrella insurance agent in Miami helps you secure additional liability coverage that goes beyond the limits of your auto and homeowners policies. In Florida, where hurricane damage and car accident claims are common, umbrella policies can provide a crucial extra layer of financial protection. These policies typically start at one million dollars in coverage and can shield your assets from large lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent in Miami do?
An umbrella insurance agent helps you evaluate your current liability risks and recommends a policy that extends your coverage limits. They explain how umbrella insurance works with your existing home and auto policies to protect your savings and future income.
Do I need umbrella insurance in Florida?
Florida has high rates of car accidents and hurricane-related property claims, which increase your risk of being sued. Umbrella insurance is especially useful if you own a home, have significant savings, or frequently host guests on your property.
How much does umbrella insurance cost in Miami?
Typical umbrella insurance premiums in Florida range from 150 to 400 dollars per year for one million dollars in coverage. Costs vary based on your risk factors, including the number of vehicles and properties you own.
Umbrella Insurance Agents in Other Florida Cities
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