Personal Umbrella Liability Policy
The following chart is a snapshot view of the available coverages and endorsement options of a St. Johns Personal Umbrella Liability policy. To get additional information, please consult your agent. If you do not have an agent, click on the "Find an Agent" button to find the St. Johns Agent nearest you.
Personal Umbrella Liability Policy |
| Coverage |
| Personal Umbrella Liability Limits |
$1,000,000 or $2,000,000 |
| Endorsements |
| Personal Umbrella Liability Policy Uninsured Motorist Coverage-Florida |
$1,000,000 - Optional Endorsement (DL 98 83) |
| Required Underlying Insurance |
| St Johns Homeowners Section II Liability |
$300,000 Combined Single Limit (CSL) each occurrence |
| Residential Property Liability (Secondary and/or Rental Property) |
$300,000 CSL each occurrence |
| Automobile Liability-Including all Motorized Land Vehicles Subject to Registration (including motorcycles, mopeds, and motor homes) |
Drivers under age 22-$500,000 CSL or $500k/$500k/$100k Split Limits*
Drivers age 80 and over-$500,000 CSL or $500k/$500k/$100k Split Limits*
All Other Drivers-$300,000 CSL or $250k/$500k/$100k Split Limits**
Uninsured Motorist(UM)-$250k/$500*** if UM is Selected |
| Recreational Vehicle Liability |
$300,000 CSL or $250k/$500k/$100k Split Limits** |
| Watercraft Liability |
$300,000 CSL or $250k/$500k/$100k Split Limits** |
| Personal Watercraft Liability |
$500,000 CSL or $500k/$500k/$100k Split Limits* |
| Personal Injury |
$300,000 CSL |
* $500,000 each person, $500,000 each occurrence Bodily Injury and $100,000 each occurrence Property Damage
**$250,000 each person, $500,000 each occurrence Bodily Injury, and $100,000 each occurrence Property Damage
***$250,000 each person, $500,000 each occurrence Bodily Injury
Note: These guidelines are subject to change