Umbrella insurance
An umbrella policy provides extra liability protection above the limits on your home and auto policies — for situations where things get serious.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
If a covered claim exceeds your underlying home or auto liability limits, the umbrella kicks in. It can also cover certain claims that your underlying policies don't.
Anyone with assets to protect — a home, savings, investments — or higher exposure (teen drivers, pool, boat, rental property).
Umbrella policies are typically affordable relative to the limits they provide. We'll quote $1M+ options across carriers.
Many people start with $1 million and consider more based on their assets, income, and risk exposures. We'll help you think it through.
Yes. Umbrella carriers typically require minimum liability limits on your home and auto policies. We'll check your current limits.
A personal umbrella generally excludes business activities. Businesses usually need a commercial umbrella or excess liability policy.
Many personal umbrella policies include coverage for certain personal injury claims like libel or slander. Policy terms vary.