A personal umbrella policy adds liability coverage on top of your home and auto policies. It generally starts paying once the underlying policy's liability limit is used up, and it can also cover some claims the underlying policies do not.
Who Should Ask About One
- Homeowners with equity. The median owner-occupied home in St. Lucie County is valued at $347,300 (2020-2024, U.S. Census Bureau QuickFacts). That is exactly the kind of asset a large claim can reach.
- Households with teenage or new drivers. More drivers, more exposure.
- Pool, dock or boat owners, and anyone who hosts often.
- Landlords, including seasonal owners who rent their Port St. Lucie home part of the year.
What It Sits On
Umbrella carriers usually require you to carry certain liability limits on your home and auto first. That matters here, because the FLHSMV insurance requirements for registering a car list only $10,000 of personal injury protection and $10,000 of property damage liability. A policy built only to that list has no bodily injury layer for an umbrella to sit on. Setting the underlying limits correctly is part of the quote.
