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HomeUmbrella Insurance AgentsFlorida › Miami Gardens

Find Umbrella Insurance Agents Near You in Miami Gardens, FL

Browse umbrella insurance agents serving Miami Gardens, Florida. Updated 2026-07-14.

The top-rated umbrella insurance agent in Miami Gardens, Florida is Estrella Insurance, rated 5.0 stars across 483 reviews. Other highly rated options include Brightway Insurance, Miami Lakes, Sebanda Insurance, Del Toro Insurance. This directory lists 14 umbrella insurance agents serving Miami Gardens.

Showing 14 umbrella insurance agents in Miami Gardens, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Estrella Insurance3489 NW 183rd St(305) 925-9944
2Brightway Insurance, Miami Lakes18191 NW 68th Ave Suite 222(305) 676-6762
3Sebanda Insurance4771 NW 167th St(305) 390-8415
4Del Toro Insurance3753 NW 167th St Suite 102(786) 533-2513
5Gardens Insurance Inc1818 NW 183rd St(305) 621-0072
6Adavi Insurance Inc & Miami Gardens Multi Services Inc4526 NW 183rd St(305) 620-6636
7Renew Insurance LLC16533 NW 57th Ave(305) 624-7300
8Univista Insurance17560 NW 27th Ave #111(645) 202-5621
9Insurance Exchange of America19868 NW 27th Ave(305) 620-7555
10Bendell Insurance Group111 NW 183rd St Ste 108(786) 698-6383
EI
3489 NW 183rd St
Estrella Insurance
Umbrella Insurance Agent · Miami Gardens, FL

Estrella Insurance serves Miami Gardens and the surrounding communities of South Florida. As an umbrella insurance agent, it handles policy layers that extend liability coverage beyond the limits of standard home, auto, or watercraft insurance. This extra protection helps safeguard personal assets against major claims or lawsuits. Current clients in the area may require coverage against accidents or property damage that exceed their primary policies. To handle a typical job, the company reviews a client's existing policies, assesses potential liability risks, and recommends an additional umbrella limit sufficient for that specific situation.

BI
18191 NW 68th Ave Suite 222
Brightway Insurance, Miami Lakes
Umbrella Insurance Agent · Miami Gardens, FL

Brightway Insurance, Miami Lakes serves Miami Gardens, Florida, and the surrounding county as an umbrella insurance agent. It assists clients in obtaining extra liability coverage that extends beyond the limits of standard home or auto policies. This protection helps safeguard personal assets against major claims or lawsuits. The agency works with individuals to assess their coverage needs. It handles situations requiring higher policy limits and provides advice on selecting appropriate umbrella plans for financial security. Its specific services include helping clients with personal liability protection and excess liability coverage.

SI
4771 NW 167th St
Sebanda Insurance
Umbrella Insurance Agent · Miami Gardens, FL

Sebanda Insurance provides umbrella insurance in Miami Gardens, Florida, distinguishing between one-time liability policies and recurring annual coverage that adapts to changing assets. This extended protection kicks in after homeowner or auto policy limits are exhausted, defending against large claims or lawsuits. The agency helps local residents select appropriate limits for households with rental properties or youthful drivers. Claims support connects policyholders directly with the appointed carrier. Service runs on either a one-time basis for a single policy period or as scheduled for annual renewals addressing evolving risk exposure.

DT
3753 NW 167th St Suite 102
Del Toro Insurance
Umbrella Insurance Agent · Miami Gardens, FL

As an umbrella insurance provider, Del Toro Insurance offers specialized liability coverage that extends beyond standard policy limits, safeguarding clients against major claims and lawsuits. The company serves Miami Gardens, Florida, residents and businesses by consulting on excess liability needs and tailoring policies to match individual risk profiles. It assists with evaluating potential coverage gaps in auto, home, and watercraft insurance. For area property owners, the firm commonly addresses increased liability exposure during the active Atlantic hurricane season, when storm-related incidents can lead to costly legal challenges.

GI
1818 NW 183rd St
Gardens Insurance Inc
Umbrella Insurance Agent · Miami Gardens, FL

Gardens Insurance Inc provides umbrella insurance agent services to clients in Miami Gardens, FL. It offers policies that extend liability coverage beyond standard home and auto limits, protecting personal assets from major claims. The firm helps clients assess their risk exposure and selects appropriate coverage amounts. Its service includes regular policy reviews to adjust limits as circumstances change. It services single-family homes, apartments, retail stores, and restaurants throughout the area.

AI
4526 NW 183rd St
Adavi Insurance Inc & Miami Gardens Multi Services Inc
Umbrella Insurance Agent · Miami Gardens, FL

Located in Miami Gardens, FL, Adavi Insurance Inc & Miami Gardens Multi Services Inc serves the area and its surrounding communities with comprehensive umbrella insurance agent services. The company handles excess liability coverage that extends beyond standard policy limits for added personal financial protection. This firm takes a straightforward approach to analyzing each client's risk exposure and current coverage gaps. It typically begins with a thorough review of existing home and auto policies before recommending appropriate umbrella protection for a client's situation.

RI
16533 NW 57th Ave
Renew Insurance LLC
Umbrella Insurance Agent · Miami Gardens, FL

Renew Insurance LLC serves local homeowners, business owners, and property managers seeking supplementary liability protection through umbrella insurance policies. The agency helps clients secure extra coverage beyond standard auto, home, or commercial policies to guard against major claims and lawsuits. Based in Miami Gardens, Florida, the firm assists residents and small businesses throughout northern Miami-Dade County and also extends its umbrella insurance services to neighboring communities such as Opa-locka and Hialeah.

UI
17560 NW 27th Ave #111
Univista Insurance
Umbrella Insurance Agent · Miami Gardens, FL

Univista Insurance provides comprehensive umbrella insurance coverage to clients in Miami Gardens, Florida, offering an additional layer of liability protection beyond standard policies. This specialty coverage helps safeguard personal assets against major claims and lawsuits. The agency can support commercial sectors such as offices, warehouses, and food service operations, ensuring businesses have adequate protection for property and liability risks common in those industries.

IE
19868 NW 27th Ave
Insurance Exchange of America
Umbrella Insurance Agent · Miami Gardens, FL

As hurricane season approaches in Miami Gardens, unexpected storm damage often creates liability concerns for homeowners with pools or fences. Insurance Exchange of America offers umbrella insurance to extend coverage beyond standard policies, protecting personal assets from major claims or lawsuits. Their agents assess each client’s property and exposure, including risks from rented vehicles or non-auto accidents. A thorough initial assessment begins with reviewing your current primary policies to confirm appropriate umbrella limits for your situation.

BI
111 NW 183rd St Ste 108
Bendell Insurance Group
Umbrella Insurance Agent · Miami Gardens, FL

Bendell Insurance Group in Miami Gardens, Florida, provides residential umbrella insurance to help protect homeowners from major liability claims that exceed standard policy limits. This agency also offers commercial umbrella coverage for local businesses needing extra protection beyond their primary general liability policies. Their service area encompasses Miami Gardens and the surrounding South Florida communities. Follow-up consultations ensure that each client’s coverage remains appropriate for changing circumstances, and repeat service between regular annual policy reviews helps address any emerging risks or asset changes.

EI
18355 NW 57th Ave #103B
Estrella Insurance
Umbrella Insurance Agent · Miami Gardens, FL
(305) 830-1477
agents.estrellainsurance.com/en-us/fl/miamigardens/169.html
EI
17325 NW 27th Ave #202
Estrella Insurance
Umbrella Insurance Agent · Miami Gardens, FL
(305) 925-4090
agents.estrellainsurance.com/en-us/fl/miamigardens/274.html
DT
17201 NW 27th Ave
Del Toro Insurance
Umbrella Insurance Agent · Miami Gardens, FL
(786) 623-4006
deltoroinsurance.com
MI
20451 NW 2nd Ave Suite #101
Mint Insurance Agency Corp
Umbrella Insurance Agent · Miami Gardens, FL
(954) 908-7951
mintinsure.com

What Does an a Umbrella Insurance Agent in Miami Gardens Cost?

The cost of umbrella insurance in Florida typically ranges from 150 to 300 dollars per year for 1 million dollars of coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Your premium depends on factors like your home value, number of vehicles, and personal risk profile. This is general information, not insurance advice.

About umbrella insurance agents in Miami Gardens

Umbrella insurance provides extra liability coverage beyond the limits of your auto and homeowners policies. In Miami Gardens, Florida, this coverage is important due to the state's high rate of uninsured drivers and the risk of lawsuits from accidents on your property. An agent can help you assess your risk and choose the right policy to protect your savings and future earnings.

Frequently Asked Questions

What does umbrella insurance cover in Miami Gardens?

Umbrella insurance covers personal liability claims like bodily injury, property damage, and certain lawsuits. It applies after your underlying auto or home policy limits are used up. In Florida, it can also cover legal defense costs if someone sues you for an accident on your property.

How much umbrella coverage do I need in Florida?

Most experts recommend at least 1 million dollars in umbrella coverage. In Florida, where medical costs can be high and lawsuits are common, higher limits may be wise if you own a home, have a pool, or have significant assets. Your agent can help you decide based on your net worth and risk factors.

Do I need umbrella insurance if I have a homeowners policy in Miami Gardens?

Yes, because your standard homeowners policy has liability limits that may not be enough for a major claim. For example, if someone is injured at your home and sues for medical bills and pain and suffering, umbrella insurance provides extra protection. Florida law does not require umbrella insurance, but it is strongly recommended for property owners.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.