The top-rated umbrella insurance agent in St Cloud, Florida is Univista Insurance, rated 5.0 stars across 791 reviews. Other highly rated options include MM Insurance Pro, Client Care Insurance, Dolly Clements Garcia - State Farm Insurance Agent. This directory lists 20 umbrella insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Univista Insurance | 521 13th St | (407) 964-1787 |
| 2 | MM Insurance Pro | 1207 Michigan Ave | (407) 908-7474 |
| 3 | Client Care Insurance | 2001 Hickory Tree Rd | (407) 574-5599 |
| 4 | Dolly Clements Garcia - State Farm Insurance Agent | 1101 New York Ave | (407) 556-3203 |
| 5 | Ford Insurance | 113 E 13th St | (407) 847-5892 |
| 6 | Amsley Insurance Services | 1617 13th St | (407) 892-9645 |
| 7 | Advantage Insurance Advisors - St. Cloud | 910 13th St | (321) 945-8153 |
| 8 | GreatFlorida Insurance: Tony Busby | 1417 Hamlin Ave UNIT G | (407) 270-8220 |
| 9 | Barakat Insurance Agency | 2722 13th St | (407) 705-3877 |
| 10 | Central Care Insurance | 3415 Perching Rd | (833) 339-6434 |
Univista Insurance serves St Cloud, Florida and its surrounding communities with comprehensive umbrella insurance coverage. The agency handles policies that provide additional liability protection beyond standard homeowners and auto policies. This coverage helps safeguard personal assets against major claims or lawsuits. To handle a typical job, the company first reviews a client’s existing primary policies and personal risk factors, then recommends an appropriate supplemental liability limit.
MM Insurance Pro serves the St Cloud, Florida area as an umbrella insurance agent. The company helps clients obtain additional liability coverage that extends beyond the limits of standard homeowners, auto, or watercraft policies. This extra layer of protection is often purchased by local homeowners and vehicle owners who wish to safeguard their personal assets from larger claims. MM Insurance Pro also assists clients with evaluating their existing policy limits and coordinating higher coverage amounts through carrier partnerships. It handles commercial umbrella policies and personal excess liability options in this area.
Client Care Insurance provides umbrella insurance agency services in the St Cloud, Florida area, offering liability coverage that extends beyond standard home and auto policies. The firm assists clients in evaluating their risk exposure and selecting appropriate umbrella limits to protect assets. Its service approach includes regular policy reviews and claims assistance to ensure ongoing coverage alignment with changing circumstances. Client Care Insurance serves a range of property owners, including those with single-family homes, apartments, retail spaces, and restaurants.
Dolly Clements Garcia - State Farm Insurance Agent serves homeowners, businesses, and property managers in St Cloud, FL, with umbrella insurance policies that provide additional liability coverage beyond standard home or auto limits. This extra layer of protection helps safeguard assets against major claims or lawsuits. Clients gain peace of mind knowing their financial future is more secure with this broad coverage. The agency also serves communities throughout the Osceola County area, including nearby Kissimmee.
Ford Insurance serves St. Cloud and the surrounding central Florida communities, handling the specialized needs of umbrella insurance. This type of coverage extends liability protection beyond standard auto, home, or watercraft policies, safeguarding personal assets against major claims. For each client, the agency first reviews existing underlying policies to determine current risk exposure. It then assesses the individual’s unique asset profile and lifestyle factors to recommend an appropriate level of excess liability coverage. This methodical process aims to build a robust layer of defense against unforeseen lawsuits.
Amsley Insurance Services in St Cloud, FL, assists clients in distinguishing between one-time liability protection and recurring umbrella coverage that layers over existing policies. Their umbrella policies extend personal liability limits beyond standard auto and homeowners insurance, providing additional financial defense against major claims or lawsuits. The company operates on an as-needed basis, meaning policyholders can contact them when evaluating their current coverage or facing new risks. Service is thus available whenever a client requires a review or update to their umbrella policy.
After a busy hurricane season or during rapid Florida development, new liability exposures often arise for homeowners and small businesses in St. Cloud. Advantage Insurance Advisors - St. Cloud provides umbrella insurance agent services to help clients secure that extra million-dollar layer of liability protection beyond standard auto or homeowners coverage. The agency reviews each client’s current assets and risk profile to determine appropriate coverage limits. A no‑obligation initial consultation with Advantage Insurance Advisors begins by examining existing policies with the agent.
At GreatFlorida Insurance: Tony Busby in St. Cloud, FL, the agency provides umbrella insurance policies that extend extra liability coverage beyond standard home and auto limits. It handles client risk assessments and policy comparisons to protect personal assets. This service helps local residents shield savings from major lawsuits or accidents. During Florida’s busy hurricane season, the office assists homeowners in ensuring their umbrella coverage adequately protects against storm-related liability claims that can arise from property damage or guest injuries.
Barakat Insurance Agency provides comprehensive liability protection for property owners and tenants in St Cloud, Florida. Its specialty umbrella insurance add-ons extend coverage limits beyond standard policies, safeguarding personal assets and investment properties from catastrophic claims. The agency can serve a broad range of commercial sectors, including offices, warehouses, and food service establishments that require robust liability protection above primary insurance layers.
Central Care Insurance provides residential umbrella insurance to homeowners in St Cloud, Florida, offering an extra layer of liability protection beyond standard policies. Commercial coverage is also available for local business owners needing higher liability limits. Serving clients throughout St Cloud and the surrounding central Florida area, the agency works with multiple carriers to match policies to individual needs. Many customers return for policy reviews during regular coverage updates, ensuring their protection aligns with changing circumstances between scheduled service visits.
What Does an a Umbrella Insurance Agent in St Cloud 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. Factors that affect the price include your driving record, the number of properties you own, and your insurance score. Adding additional million-dollar increments usually costs less than the first million. This is general information and not insurance advice.
About umbrella insurance agents in St Cloud
An umbrella insurance agent in St Cloud Florida can help you add an extra layer of liability protection beyond your home and auto policies. Florida law requires minimum auto liability limits of 10/20/10, but a serious accident can quickly exceed those amounts. An umbrella policy helps cover the gap and protects your savings and future earnings.
Frequently Asked Questions
What does an umbrella insurance agent in St Cloud do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy. This policy provides additional coverage above your existing home and auto insurance limits. It also covers certain claims your primary policies may exclude, such as libel or slander.
How much umbrella coverage do I need in Florida?
Most agents recommend at least 1 million dollars in umbrella coverage. Florida has high medical costs and a litigious environment, so higher limits may be wise if you own a home, have significant assets, or engage in activities like boating. Your agent can help assess your risk.
Is umbrella insurance required in Florida?
No, umbrella insurance is not required by Florida law. However, it is strongly recommended if you have assets to protect. Florida does not have a cap on pain and suffering damages in personal injury cases, so a lawsuit could exceed your standard policy limits.
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