Extra Liability Protection
Umbrella Insurance
Located in Jupiter. Serving all of Palm Beach & Florida
At Jupiter-Tequesta Insurance, we help individuals and families across Jupiter, Tequesta, and Palm Beach County secure added peace of mind with umbrella insurance—a cost-effective way to increase your liability protection beyond the limits of your home, auto, or boat insurance policies.
What Is Umbrella Insurance?
Umbrella insurance is a personal liability policy that provides additional coverage when the limits of your standard insurance policies are exhausted. It helps cover large claims and lawsuits that could otherwise threaten your assets, savings, or future income. Think of it as a financial safety net designed to protect what you’ve worked hard to build.
Why Do You Need Umbrella Coverage?
In today’s world, accidents happen—and they can be expensive. A serious car crash, dog bite, slip-and-fall on your property, or boating accident could result in medical bills or lawsuits that exceed your standard liability limits. Umbrella insurance steps in when other policies reach their maximum, providing an extra layer of protection.
Umbrella insurance can cover:
- Bodily injury liability
- Property damage liability
- Legal defense costs
- Personal liability claims (libel, slander, defamation)
- Landlord liability
- Auto accidents involving multiple parties
- Incidents not covered by other standard policies
Who Benefits from Umbrella Insurance?
Umbrella insurance is ideal for:
- Homeowners and property owners
- Drivers with significant assets or savings
- Boat owners
- High-net-worth individuals
- Families with teen drivers
- People with rental properties
- Anyone who wants broader personal liability protection
If you’re in a situation where your personal or professional activities could expose you to large liability claims, an umbrella policy may be one of the smartest financial decisions you can make.
Affordable Peace of Mind
The best part? Umbrella insurance is surprisingly affordable, especially when compared to the protection it provides. For a few hundred dollars a year, you can gain $1 million or more in additional coverage, giving you the confidence to live your life without the constant worry of “what if.”
Get a Free Umbrella Insurance Quote
Let us help you safeguard your future with personal umbrella insurance you can rely on. Contact Jupiter-Tequesta Insurance today for a free umbrella insurance quote and discover how easy it is to get the coverage you need.
Frequently Asked Questions About Umbrella Insurance in Palm Beach & Martin Counties
Q: What is umbrella insurance, and do I need it in Jupiter or Palm Beach Gardens?
A: Umbrella insurance provides extra liability coverage beyond the limits of your home, auto, or boat insurance. It’s valuable for homeowners and business owners in Jupiter, Tequesta, Palm Beach Gardens, and Stuart who want added protection from lawsuits or large claims.
Q: How much umbrella insurance coverage should I have?
A: Most policies start at $1 million in coverage, but the right amount depends on your assets, lifestyle, and risks. High-net-worth homeowners in Palm Beach Island, North Palm Beach, and Riviera Beach often choose higher limits for greater protection.
Q: What does umbrella insurance cover in Florida?
A: Umbrella insurance covers liability claims such as bodily injury, property damage, legal defense costs, and certain lawsuits not covered by standard policies. This gives peace of mind to families in Jensen Beach, Hobe Sound, and across Palm Beach and Martin Counties.
Q: Is umbrella insurance expensive?
A: No. Umbrella policies are usually affordable, considering the high level of extra protection they provide. A few hundred dollars per year can safeguard millions in coverage for families in Jupiter, Tequesta, and Palm Beach Gardens.
Q: Can umbrella insurance cover my boat or rental property liability?
A: Yes. Umbrella policies extend beyond home and auto to cover boats, RVs, and even rental properties. This makes them especially valuable for property owners and boaters in Palm Beach and Martin Counties.