An Extra Layer Above Everything Else
An umbrella policy sits above your home, auto and boat liability and takes over when those limits run out. For waterfront property owners, boat owners, landlords and anyone with assets worth protecting, it is the least expensive coverage per dollar of protection that HBK Insurance Group writes.
What Umbrella Liability Covers
- ✓ Excess liability above home, auto and boat
- ✓ Personal injury coverage including libel and slander
- ✓ Legal defense costs
- ✓ Coverage for rental properties you own
- ✓ Limits commonly written from $1M to $10M
- ✓ Modest annual premium relative to the limit
A Judgment Does Not Stop at Your Policy Limit
If a claim exceeds your auto liability, the remainder does not disappear — it follows your savings, your home equity and future earnings. An umbrella is the difference between a bad year and a permanent one.
Boats, Docks and Teen Drivers
Three exposures we see constantly on the Treasure Coast: a vessel with passengers aboard, a dock that guests use, and a newly licensed driver in the household. Any one of them is reason to look at an umbrella. Together they make it hard to justify going without.
Common Questions
Do I need to have my home and auto with you to buy one?
Not necessarily, though carriers require underlying limits at set minimums. We check that your existing policies qualify.
How much does it cost?
Far less than most people assume for the first million in coverage. We will quote it alongside your other lines so you can see it in context.
Does it cover my rental property?
It can, when the property is disclosed and scheduled. Tell us about every property you own.
Get Your Umbrella Liability Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.