Personal Umbrella Liability Policy
A Personal Umbrella Policy is a liability policy that provides individuals coverage above and beyond the limits of their personal homeowners, auto, or watercraft policies. It is an inexpensive way to protect oneself and their assets against the unexpected high cost of a lawsuit resulting from a car accident, or even a slip and fall on your property. Could you afford to maintain your current standard of living while defending yourself and potentially paying a high-cost settlement or award?
The St. Johns Personal Umbrella Liability Policy is available to all Florida homeowners and condominium unit owners who insure their primary home with St. Johns. The policy offers coverage limits of $1,000,000 or $2,000,000, Excess Uninsured Motorists Coverage and flexible coverage options regarding watercraft, drivers, recreational vehicles, etc. Contact your St. Johns agent today to get a quote for the valuable protection a Personal Umbrella Policy provides you and your family.
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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