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With nearly four decades of experience, we are dedicated to providing personalized coverage and exceptional customer service. Our team of experienced professionals is committed to protecting your family, business, and assets with confidence.

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  • 3700 West Hillsboro Boulevard
    Deerfield Beach, Florida 33442

  • (954) 990-7620

  • Working Hours: 9:00am to 5:00pm

Welcome To Alberto Insurance . English / Spanish / Portuguese         3700 West Hillsboro Boulevard - Deerfield Beach, Florida 33442

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Umbrella Insurance Agency

We're Insurance by Floridians, for Floridians.

Personal Umbrella Insurance

Lawsuits and liability claims are stressful and costly. Defend yourself and protect your assets with umbrella insurance. Cover legal fees and settlements when you are found at fault in court.

What is Umbrella Insurance?

A policy for the truly prepared. Umbrella insurance will pay for costs and settlements when you are found at fault in a lawsuit. Acting as a boost to homeowners and auto insurance, umbrella coverage increases your limits and protects your savings from settlements.

What Does an Umbrella Insurance Policy Cover?

Lawsuits are costly. And not every claim is relevant to your auto or homeowners policy. With umbrella insurance, enjoy protection from:

Lawsuits
Covers your legal fees and settlements if you are found at fault in a lawsuit.
$
Property Damage Claims
Umbrella coverage covers claims against you for damage to someone else's property. Homeowners insurance will cover damage to your own property.
$
Injuries
If you are at fault for someone's injuries, umbrella insurance adds coverage for legal costs and expenses.
Slander and Libel
Covers your legal costs and settlement payments in the event of slander and libel lawsuits.
$
Worldwide Incidents
No matter where an incident occurs, umbrella insurance can offer coverage.
$
False Arrest & Imprisonment
Offers coverage in cases of false arrest and imprisonment.

Umbrella Insurance is also known as excess liability insurance

Common Claims Covered by Umbrella Insurance

The following is a list of the most common claims that an umbrella insurance policy may cover.

Defense Costs
$

Umbrella coverage covers the legal fees defend yourself in court. Any remaining settlements would also be paid by your umbrella policy.


Teen Drivers
$

Teen drivers pose a high risk on the road. And their auto insurance premiums reflect it. Umbrella coverage can boost your teen's car insurance to offer extra coverage in case of a collision or damage to property.


Dog Bites
$

If your dog bites another dog, or a person, umbrella insurance covers medical costs, legal fees, and settlement payments.


Homeowners Liability
$

If your homeowners insurance could use a boost for peace of mind, umbrella coverage can kick in to provide extra coverage in the event of a law suit.


False Arrest & Slander
$

Umbrella insurance can cover costs to defend yourself in the case of false arrest, defamation, or malicious prosecution.


Intoxicated Party Attendee
$

You don't need to be directly responsible, to be held liable for an incident that leads to injury. Umbrella insurance can cover you for unexpected lawsuits.


Pain & Suffering
$

Bigger settlements for pain and suffering are not uncommon during legal action. Umbrella policies can step in where other policies fall short.


Volunteering
$

When you give your time for free, the last thing you need is a costly lawsuit. When you are just trying to help by volunteering, umbrella insurance covers the cost of legal action and settlements.


How Much Does Umbrella Insurance Cost?

For just a few hundred dollars a year, you can enjoy coverage of $1,000,000 or more. A great way to plan for the unexpected and boost your current policies, umbrella insurance covers you just-in-case.


Do I Need Umbrella Insurance?

Most people are just one law suit away from financial ruin. If you are at fault for an incident, umbrella insurance can pay your expenses and even boost your car and homeowners insurance policies.


Build Your Own Personalized Umbrella Insurance Policy

Get Prepared. Get AlbertoInsurance. Our agents make it simple to create an umbrella insurance policy tailored to your needs, providing extra liability protection for litigious environment. Secure cost-effective coverage with our trusted partners to safeguard your assets beyond standard policies.


Frequently Asked Questions (FAQs)

What is umbrella insurance and what does it cover?

Umbrella insurance adds extra liability limits above your home, auto, and watercraft policies, sold in $1 million increments. It pays for large judgments and legal costs that exceed the underlying policies’ liability limits.

Who should consider an umbrella policy?

Homeowners, drivers, landlords, and anyone with substantial assets or future earnings to protect should consider an umbrella policy. At roughly $200–$400 per year for $1 million in coverage, it is the most efficient liability protection per dollar available.

How much umbrella coverage do I need?

Most policyholders start at $1 million in umbrella coverage. Higher limits of $2–$5 million make sense if you have significant assets, rental properties, teen drivers, a swimming pool, or other elevated-risk exposures.

What does AlbertoInsurance® umbrella typically extend over?

A AlbertoInsurance® personal umbrella typically extends over home, auto, boat, motorcycle, and sometimes rental property liability. Business and professional liability exposures require a separate commercial umbrella policy.

Does umbrella cover business activities?

No — personal umbrella policies exclude business activities, including side businesses and self-employment. Ask your agent about a commercial umbrella policy if you have business liability exposure.

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