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Compare Umbrella Insurance Agents in Palm Harbor, FL
Directory of umbrella insurance agents in Palm Harbor, Florida. Verify credentials with the state department of insurance before hiring.
17 agents listed
Updated May 2026
Palm Harbor, 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 17 umbrella insurance agents in Palm Harbor, 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.
Coleman Insurance Agency
4831 Ruen Dr Suite 200, Palm Harbor, FL 34685
(727) 441-9911
colemanagencyfl.com
Reliant Insurance Services
34921 US Hwy 19 N #201, Palm Harbor, FL 34684
(727) 335-0335
myreliantinsurance.com
Lizette Cochran - State Farm Insurance Agent
3031 E Lake Rd S, Palm Harbor, FL 34685
(727) 786-1082
lizettec.com
AAA Palm Harbor
33227 US Hwy 19 N, Palm Harbor, FL 34684
(727) 789-7850
locator.acg.aaa.com
Brightway Insurance, The Harrington Agency
31962 US Hwy 19 N, Palm Harbor, FL 34684
(727) 789-2200
brightway.com
Hawk Insurance Group
31087 US Hwy 19 N, Palm Harbor, FL 34684
(727) 877-4295
hawkig.com
Mark Gianeskis - State Farm Insurance Agent
3430 Tampa Rd, Palm Harbor, FL 34684
(727) 786-6886
markgianeskis.com
Whitco Insurance Agency Palm Harbor 👍
30832 US Hwy 19 N, Palm Harbor, FL 34684
(727) 781-5858
whitcoinsuranceph.com
Pinellas Insurance Solutions
3060 US-19 ALT Suite B1, Palm Harbor, FL 34683
(727) 557-5633
pinellasinsurancesolutions.com
GreatFlorida Insurance: Jim Sullivan
3382 Tampa Rd, Palm Harbor, FL 34684
(727) 781-5533
palmharbor.greatflorida.com
Edgewater Insurance Inc
30522 US Hwy 19 N #107-Q, Palm Harbor, FL 34684
(727) 772-0428
edgewaterinsuranceinc.com
Insurance Solutions of Tampa Bay
2708 US-19 ALT Suite 505 Suite F, Palm Harbor, FL 34683
(727) 474-9645
insurancesolutionstb.com
Royal Insurance, Inc.
32756 US Hwy 19 N, Palm Harbor, FL 34684
(727) 786-0090
royalinsuranceinc.com
Commonwealth Insurance
4175 Woodlands Pkwy, Palm Harbor, FL 34685
(727) 787-8151
Taurus Insurance Professionals
1440 Palm Harbor Blvd, Palm Harbor, FL 34683
(727) 605-3137
taurusinspros.com
Estrella Insurance
31055 US Hwy 19 N, Palm Harbor, FL 34684
(727) 609-2501
agents.estrellainsurance.com
Chavanne Insurance Agency
3466 Tampa Rd, Palm Harbor, FL 34684
(727) 771-1716
An umbrella insurance agent in Palm Harbor Florida can help you secure additional liability coverage beyond your standard home and auto policies. Florida law requires minimum auto liability limits, but a single lawsuit can quickly exceed those amounts. An umbrella policy provides an extra layer of protection for your savings and future income.
What Does a Umbrella Insurance Agent in Palm Harbor Cost?
The cost of an umbrella insurance policy in Florida typically ranges from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 800 dollars annually. Your exact premium depends on your number of properties, driving record, and other risk factors. 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 Palm Harbor do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that covers gaps in your existing insurance. They review your home and auto policies to recommend an appropriate umbrella limit. In Florida, agents often consider hurricane-related liability risks when advising clients.
How much umbrella coverage do I need in Florida?
Most agents recommend at least 1 million dollars in umbrella coverage for Florida homeowners. Higher net worth individuals may need 2 to 5 million dollars or more. Your agent will help you choose a limit based on your assets and potential lawsuit exposure.
Can I get umbrella insurance if I have a rental property in Palm Harbor?
Yes, umbrella insurance can cover liability from rental properties you own. Florida landlords face unique risks such as slip and fall claims or guest injuries. An agent can help you bundle coverage for your primary home, rental property, and vehicles under one umbrella policy.
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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.