Insurance Product
Life is unpredictable — and even a single accident or lawsuit can put your savings, home, and future income at risk. Personal Umbrella Insurance provides an extra layer of liability protection when the limits of your auto, home, or other personal policies aren’t enough.
At Sova Insurance, we help individuals and families safeguard what they’ve worked hard to build with affordable, reliable personal umbrella coverage designed to give you confidence and peace of mind.
Comprehensive Personal Umbrella Coverage
Enhance your protection with personal umbrella insurance that provides extra liability coverage beyond your standard policies, safeguarding your assets and peace of mind.
Coverage Options
Personal Umbrella Insurance Designed for Florida Residents
Get extra liability protection tailored for Florida, covering you beyond standard policies and safeguarding your assets from unexpected claims and lawsuits.
Extended Liability Protection
Extra coverage beyond standard policy limits.
Lawsuit & Legal Defense Coverage
Covers attorney fees, court costs, and settlements.
Protection From High-Risk Situations
Safeguards assets from accidents, property damage, or injury claims.
Affordable High-Limit Coverage
Millions in protection at a low cost.
Florida’s unique risks, from heavy traffic to higher liability exposure, make Personal Umbrella Insurance a crucial layer of protection for families.
Smart coverage. Extra protection. Florida-ready peace of mind.
Get the added liability coverage that helps protect your home, savings, and future.
Smart coverage.
Florida-ready protection.
Average Monthly Premium : $50-$150
The cost of Personal Umbrella Insurance depends on factors such as your existing liability limits, the number of properties or vehicles you own, and your overall risk profile.
On average, personal umbrella policies start around $150–$300 per year. for $1 million in coverage — making it one of the most affordable ways to add significant liability protection. Higher limits and additional exposures may increase the cost, but coverage remains cost-effective compared to the protection it provides.
Personal Umbrella Insurance helps cover large claims and legal expenses that could otherwise put your assets and future income at risk.
We work with multiple insurance carriers to compare options and help you find the best umbrella coverage at the best price
How to Get the Right Personal Umbrella Insurance
Choose the right personal umbrella policy by assessing your liability risks, comparing coverage limits, and selecting protection that shields your assets from unexpected claims and lawsuits.
01
Review Current Coverage
Know your auto, homeowners, renters, or watercraft liability limits; umbrella insurance kicks in once these are exceeded.
02
Assess Protection Needs
Consider your assets, income, and risks; policies typically start at $1M and can increase.
03
Meet Policy Requirements
Ensure your existing coverage meets minimum liability limits.
04
Use an Independent Agent
Agencies like SOVA Insurance compare carriers to find tailored, competitive umbrella coverage.
Get Coverage with SOVA Insurance
- Based in Florida, specializing in contractors and small businesses
- Independent agency—we compare multiple carriers for the best rates
- We speak English, Russian, and Ukrainian to make insurance easy to understand
- Personalized service—you’ll work directly with a licensed agent who guides you through every step
