An umbrella policy adds $1 million, $2 million, $5 million — even $10 million — of liability protection above your home, auto, and watercraft policies. For 30A property owners with significant equity, vacation rentals, pools, golf carts, boats, or teen drivers, an umbrella is one of the cheapest forms of insurance per dollar of coverage you can buy.
Why umbrella matters more on 30A
Vacation rentals, pools, beach access, boats, jet skis, and golf carts all increase your liability exposure. A single guest injury can produce a multi-million-dollar judgment that wipes out your underlying limits in minutes.
How much umbrella coverage do you need?
A reasonable rule of thumb is to carry an umbrella limit equal to your net worth. We help clients right-size from $1M up to $10M.