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Umbrella Insurance

Umbrella insurance is not just for the rich. With today’s common occurrence of lawsuits, it is a must for every home, auto and watercraft owner. As many Americans are finding out, you don't have to be a millionaire to be sued like one. That is why it is a good idea to carry an Umbrella policy to supplement the basic liability coverage provided by your auto, home and boat policies.

The more money you earn and the more assets you have, the more you have at risk, and therefore, the more you need to protect.

If you feel that you need at least a million dollars of additional protection above your current homeowners or automobile liability limits, you can purchase something called excess liability. Often referred to as an umbrella policy, excess liability is the additional protection you need in case a judgment against you exceeds the liability limits of your existing auto or homeowners policy. Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies. This provides additional coverage in the event of:

  • Lawsuits
  • Property damage
  • Injuries
  • Slander and libel
  • Worldwide incidents
  • False arrest and imprisonment


Call our office today to make sure you are fully protected. Our agents at Cape Coral Insurance will provide you with all your options and work with you to make sure that you have the insurance you need to fit your lifestyle. Call us today for a free quote.