SERVICES
Umbrella Insurance
When an accident exceeds your standard policy limits, umbrella insurance steps in. It’s an extra layer of liability protection for those with assets to protect—and peace of mind to preserve.
You insure your home. You insure your car. You insure your boat or motorcycle. But what happens when a single accident exceeds the liability limits on all of them?
That’s where umbrella insurance comes in
Umbrella insurance
Provides excess liability coverage that kicks in when your underlying policies reach their limits. It doesn’t replace your existing insurance—it extends it.
What umbrella insurance covers:
Bodily injury to others
Property damage to others
Personal liability situations like libel, slander, false arrest, or defamation
Landlord liability for slip and fall claims, dog bites, or injuries on your rental property
How it works:
Coverage typically begins at $1 million and increases from there. The more assets you have to protect—a home, savings, investments, future earnings—the more valuable umbrella coverage becomes.
Who needs it:
- Homeowners with significant equity
- Rental property owners
- Boat or RV owners
- High-net-worth individuals
- Anyone who wants protection from catastrophic lawsuits
The cost:
Umbrella insurance is surprisingly affordable. For a fraction of what you pay for auto or home insurance, you can add a million dollars—or more—of additional liability protection.
You can’t predict when an accident will happen. But you can decide, today, that you’ll be ready.
Add an Extra Layer — Get Umbrella Insurance
Renters Insurance
ultimately gives you peace of mind. It’s a simple and affordable way to make sure your belongings are protected and your future isn’t disrupted by something unexpected. Whether you’re settling into a high-rise near Lake Buena Vista or a cozy apartment near Lake Hart, the right policy lets you enjoy your rental with confidence. The Beacon Insurance Agency is here to help you choose coverage that fits your lifestyle, your budget, and the way you live in Florida, so you can focus on enjoying your home instead of worrying about what might go wrong.
