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Compare Umbrella Insurance Agents in Winter Haven, FL
Looking for a umbrella insurance agent in Winter Haven? Review the directory below to compare your options.
19 agents listed
Updated May 2026
Winter Haven, 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 19 umbrella insurance agents in Winter Haven, 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.
Team Barfield - Barfield Insurance
141 5th St NW #302, Winter Haven, FL 33881
(863) 662-3134
teambarfield.com
Barfield Insurance & Financial Services Inc.
110 Spirit Lake Rd Unit 5, Winter Haven, FL 33880
(863) 293-5400
insurewithbarfield.com
GreatFlorida Insurance: Brock Schnabel
5658 Cypress Gardens Blvd, Winter Haven, FL 33884
(863) 594-2600
winterhaven.greatflorida.com
American Insurance Inc
3610 Havendale Blvd, Winter Haven, FL 33881
(863) 965-2886
americaninsuranceinc.com
AmeriLife of Polk County, LLC
6322 Cypress Gardens Blvd, Winter Haven, FL 33884
(863) 291-4111
amerilife.com
Garland Insurance fka Victory Insurance
116 W Central Ave, Winter Haven, FL 33880
(863) 683-9334
Clearvue Insurance Agency (Formerly Lorna Wilson Agency)
308 Ave G SW Suite 201, Winter Haven, FL 33880
(863) 866-8990
clearvueinsurance.com
NC FAMILY PROTECTION
200 Post Ave SW Booth 34-35, Winter Haven, FL 33880
(863) 563-1077
ncfamilyprotection.com
Cypress Insurance Management
3021 Cypress Gardens Rd, Winter Haven, FL 33884
(863) 326-1885
cypressinsuranceonline.com
Dershimer Insurance Agency
190 Avenue A NW, Winter Haven, FL 33881
(863) 299-8330
dershimerinsurance.com
Carroll-Marshall Insurance, Inc.
205 Ave G SW, Winter Haven, FL 33880
(863) 293-1111
cminsure.com
Protec Sure Insurance FL
1186 Havendale Blvd NW, Winter Haven, FL 33881
(689) 314-7807
One Safe Insurance Agency
1360 Havendale Blvd NW, Winter Haven, FL 33881
(863) 431-9235
Swift Insurance Agency FL
400 Ave C NE, Winter Haven, FL 33881
(863) 546-8440
SecurePact Insurance LLC
7730 Lucerne Park Rd, Winter Haven, FL 33881
(863) 216-3614
Ewing Blackwelder & Duce Insurance
1330 Havendale Blvd NW, Winter Haven, FL 33881
(863) 293-2838
ebdins.com
Sean Gerber Insurance
1610 Dundee Rd, Winter Haven, FL 33884
(863) 877-7384
HealthMarkets Insurance - Vernon Douglas
100 Homewood Dr, Winter Haven, FL 33880
(863) 412-1947
healthmarkets.com
Fred Simons Insurance Agency, LLC
20 3rd St SW #203, Winter Haven, FL 33880
(863) 259-1826
thesimonsagency.com
An umbrella insurance agent in Winter Haven, Florida helps you secure additional liability coverage that goes beyond your auto or homeowners policy limits. Florida law requires minimum liability limits on auto insurance, but a personal umbrella policy can provide an extra layer of protection against large claims or lawsuits. Local agents understand the unique risks in Central Florida, including hurricane-related property damage and tourist-related incidents.
What Does a Umbrella Insurance Agent in Winter Haven Cost?
The cost of a personal umbrella insurance policy in Florida typically ranges from 150 to 500 dollars per year for one million dollars in coverage. Factors that affect the price include your driving record, number of properties, and the underlying limits on your auto and home policies. Costs can be higher if you have multiple vehicles or a swimming pool. 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 do in Winter Haven?
An umbrella insurance agent helps you purchase a personal umbrella policy that provides extra liability coverage above your existing auto and home insurance. This policy can protect your savings and future income if you are sued for an accident or injury on your property.
Do I need umbrella insurance in Florida?
Yes, if you have significant assets or a higher risk of being sued. Florida has a high rate of uninsured drivers and frequent weather-related claims, so extra liability coverage can be valuable. Many agents recommend umbrella policies for homeowners with pools or rental properties.
How much umbrella coverage should I get in Winter Haven?
Most agents suggest starting with one million dollars in coverage, which is the typical minimum for a personal umbrella policy. Your agent can help you decide based on your net worth, income, and lifestyle. Higher limits are available if you have substantial assets.
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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.