Florida Umbrella Excess Liability Insurance

Homeowners / Primary Home

This type of  insurance applies towards liability insurance that is in excess of other specified policies and potentially primary insurance for losses not covered by other the policies.

When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit amount of the umbrella policy).

Excess insurance is similar since it pays after an underlying primary policy is exhausted, but is different in that it 1) normally applies to only one underlying primary policy and 2)it covers only those losses that are covered (up to policy limits) by that primary policy. For example, if the primary policy does not cover liability due to pollution, the excess policy does not either. But an umbrella policy may cover pollution liability from the first dollar in addition to liability of other kinds that is simply beyond the primary policy's limit. The policy is said to "drop down" to cover the pollution liability as primary insurance and fill in the gaps in the underlying policies.

The "umbrella" nomenclature is a reference to the broad coverage of the policy.

Personal umbrella policies are typically made in excess of a person's homeowners and automobile insurance. Commercial umbrella policies may be based on a commercial general liability (CGL) primary policy.

Examples of liability that an umbrella policy may cover that a homeowners policy often excludes include:

  • False arrest
  • Libel
  • Slander
  • Invasion of privacy


We recommend you reviewing your policy coverage on an annual basis with your agent. Any plans for future renovations to your home, for example remodeling your kitchen or getting a new roof for your house, be sure to contact your agent so that your policy can be updated. Major repairs and enhancements made to your home may qualify for a premium credit! Purchasing big ticket items such as jewelry, electronics, or collectibles, may require riders so, check with your agent to be sure these new items are properly covered.

"Umbrella" refers to how the policy shields the insured's assets more broadly than the primary coverage.

Call our Insurance Warehouses of America Orlando, Florida office today! Our professional licensed agents can provide you with additional assistance about umbrella/excess liability Insurance!