You don’t have to be a millionaire to be sued like one. We’ve all seen the number of legal advertisements that inundate today’s media. That’s why umbrella policies exist.

Sometimes the liability coverage you have on your Auto or Homeowners policy may not be enough. An Umbrella Policy provides additional protection should something happen that would exceed your limits.The accidents happen when you least expect it. You have a teenage guest who dives into the shallow end of your swimming pool, or a deliveryman who trips on your front steps. Your car skids and injures an individual. In turn, they are injured and cannot work.

No one wants to think about these things, but unfortunately they are both real and common risks. At East & Greenwell, we’ve made it our job to help protect you and your family against the unforeseen events. Many people with assets do not buy the extra coverage. If they do, sometimes they do not buy enough. In fact, many Florida residents have no idea what Umbrella Insurance is, or that it also pays for lawyers and legal expenses.

Whether you live in Estero, Naples, Bonita Springs, Fort Myers, or anywhere else in Florida, call our agents at East & Greenwell today. We’ll help fit you with a policy that meets your needs, and your budget. In fact, you may be surprised to find just how affordable it is!

Umbrella Coverage for $1,000,000 can be as low as $225 annually. We’ll help you evaluate your needs, and even scout out any additional discounts that we may be able to apply to your Auto policy, should you couple it with an Umbrella Insurance policy.


1. What is Umbrella Insurance?

An umbrella policy is an excess liability policy that covers you beyond the coverage you have on your Auto and Homeowners, should something happen.

2. Do I need an umbrella policy?

Good question. We find that this is an area where most people are underinsured. The truth is that you do not need be a millionaire to be sued like one. An umbrella can provide you and your family with additional peace of mind. Plus, they are very inexpensive!

3. How much coverage do I need for my Umbrella Insurance policy?

It depends. How much your umbrella policy is worth should be considered alongside the current policies you own. Umbrella Insurance stacks on top of the Auto and Homeowners insurance policies you already have. Thus, you have to consider the amount you purchase to be in addition to whatever your other policies cover. For example, if your auto insurance covers $500,000 in liability coverage, and you purchase one million dollars in coverage through your umbrella policy, you can consider yourself covered for up to $1.5 million in overall coverage.

4. Can I purchase Umbrella Insurance without Auto Insurance or Homeowners Insurance?

No. An umbrella policy is an add-on that is dependent on its pairing with other policies. The only way to qualify for Umbrella Insurance is to have a Auto Insurance and/or Homeowners Insurance policy as well.

5. When would I use my Umbrella Insurance?

Umbrella Insurance kicks in when you find yourself in the midst of an incident that incurs an unusually high cost in liability damages, such as accidents that lead to you getting sued. For example, if an individual incurs debilitating bodily injury on your property or a child is mauled by your dog, your minimum coverage may not be enough to cover your liability. This is when it pays to have an umbrella policy.