Umbrella Insurance

Extra liability protection that goes beyond your home and auto policies. Protect your assets from lawsuits and major claims.

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What Does Umbrella Insurance Cover?

Umbrella insurance provides an extra layer of liability protection when your other policies reach their limits.

Coverage Includes:

  • Bodily injury liability beyond home/auto limits
  • Property damage liability
  • Personal liability lawsuits
  • Libel and slander claims
  • Legal defense costs

Who Needs Umbrella Insurance?

  • Homeowners with significant assets
  • Landlords and property owners
  • Boat or RV owners
  • Teen drivers in the household
  • Pool or trampoline owners

Get Your Free Umbrella Insurance Quote

Protect your assets with affordable umbrella coverage.

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Umbrella Insurance FAQs

As an independent agency, we are not tied to a single insurance carrier. We work with multiple trusted carriers to compare rates and coverage options, so we can find the best policy for your unique needs and budget.
Umbrella insurance provides extra liability coverage beyond the limits of your home, auto, and other policies. It helps protect your assets if you are found liable for damages in a lawsuit. It can cover bodily injury, property damage, and certain lawsuits that other policies may not.
Independent agencies like Anchor & Atlas represent multiple insurance carriers, not just one. That means we can shop your coverage across 30+ top-rated companies and recommend the policy that actually fits your situation, rather than steering you toward whatever a single carrier happens to sell. Our job is to work for you, not for an insurance company.
Yes! Anchor & Atlas Insurance serves all 67 Florida counties. Whether you are in Palm Bay, Melbourne, Orlando, Miami, Tampa, or anywhere else in the state, we can help you find the right coverage.
Umbrella insurance is surprisingly affordable. A $1 million policy typically costs between $150 and $300 per year. Additional million-dollar increments are usually even less. It is one of the best values in insurance for the protection it provides.
We have access to more than 30 top-rated insurance carriers covering home, auto, flood, life, umbrella, business, and specialty lines. We compare rates and coverage across them to find the best combination of price and protection for your needs - often quoting multiple carriers side by side so you can see real options before deciding.
If you need to file a claim, contact our office and we will walk you through the process. We can help you file directly with your carrier and advocate on your behalf to ensure a smooth claims experience.
Florida is one of the most complex insurance markets in the country. Hurricane risk, flood zones, sinkhole exposure, coastal construction rules, the state's no-fault auto laws, and rapidly changing carrier appetites all affect what you can buy and what it costs. Based in Palm Bay and serving all 67 counties, we live and work in this market every day - which means we know which carriers write what, where, and on what terms.
In most cases, we can provide a quote within one business day. Some complex policies may take a bit longer as we shop multiple carriers to find you the best rate. Fill out our online form or call us to get started.
We start by listening - understanding your home, vehicles, family, business, and what you're trying to protect. Then we explain your options in plain language, walk through what each policy covers (and what it doesn't), answer questions honestly, and make a recommendation built around your situation. No pressure, no jargon, no surprises at claim time.
A national carrier sells you their products. A call center reads from a script. We're a local Florida independent agency - which means we shop multiple carriers on your behalf, you talk to the same licensed people every time, and we stay involved through renewals, life changes, and claims. No call routing, no transfers, no rotating reps.

What Our Clients Say

5.0 based on 6 Google reviews
a week ago
"Kelly was very helpful and resourceful in securing me a better rate for my policy. Highly recommend."
a week ago
"Kelly was absolutely amazing and so patient and kind while navigating the insurance needs for my mom. Highly recommend Anchor & Atlas!"
3 weeks ago
"Kelly was super helpful, she got my parents a rate they were comfortable with and her turn around time was insanely quick!"
See all reviews on Google

Extra Protection for Peace of Mind

Umbrella insurance is surprisingly affordable. Get a quote today.

Call (321) 454-4444