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Find Umbrella Insurance Agents Near You in Miami Beach, FL
Directory of umbrella insurance agents in Miami Beach, Florida. Verify credentials with the state department of insurance before hiring.
5 agents listed
Updated May 2026
Miami 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 5 umbrella insurance agents in Miami 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.
Toscano Insurance Group
1111 Lincoln Rd Suite 500, Miami Beach, FL 33139
(305) 397-8807
toscanoinsurance.com
Estrella Insurance
1321 Alton Rd, Miami Beach, FL 33139
(305) 534-9434
agents.estrellainsurance.com
Estrella Insurance
1108 Normandy Dr, Miami Beach, FL 33141
(305) 867-0444
agents.estrellainsurance.com
A & T Insurance Brokerage Inc
800 71st St #1, Miami Beach, FL 33141
(305) 868-1148
atinsurancebrokers.com
South Beach Insurance Agency
1000 Lincoln Rd STE 240, Miami Beach, FL 33139
(305) 532-7623
southbeachinsurance.com
An umbrella insurance agent in Miami Beach Florida can help you add an extra layer of personal liability protection above your standard home and auto policies. Florida has unique risks like hurricane damage and high traffic accidents that make umbrella coverage especially valuable. A local agent understands the specific liability exposures for Miami Beach properties and watercraft.
What Does a Umbrella Insurance Agent in Miami Beach Cost?
In Florida a personal umbrella policy typically costs between 150 and 300 dollars per year for one million dollars of coverage. Higher limits of two to five million dollars may cost 300 to 600 dollars annually. Costs depend on your risk factors such as number of vehicles property value and driving record. This is general information 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 do in Miami Beach?
An umbrella insurance agent helps you purchase a personal umbrella policy that provides additional liability coverage above your existing homeowners and auto insurance. In Florida this extra protection can cover legal costs and judgments from accidents on your property or while driving.
Do I need umbrella insurance in Florida if I have a pool or boat?
Yes Florida law does not require umbrella insurance but having a pool or boat increases your liability risk. A Miami Beach agent can explain how umbrella coverage protects you from lawsuits arising from pool accidents or boat collisions in Biscayne Bay.
How does Florida law affect umbrella insurance claims?
Florida has a four year statute of limitations for personal injury lawsuits. Umbrella insurance can cover defense costs and settlements within this time frame. Florida also follows a pure comparative fault rule which can affect how liability is assigned in an accident.
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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.