You would need uninsured/underinsured motorist (UM/UIM) coverage in Florida because it protects you and your passengers when you’re injured by a driver who has little or no bodily injury insurance—a very common situation in the state. Here’s why it’s especially important in Florida: 1. Florida has a high number of uninsured drivers Florida consistently ranks among the states with the …

Umbrella coverage is a personal liability insurance policy that provides anextra layer of protection above the liability limits of your home, auto, and other underlying policies. It is designed to protect your assets, income, and future earnings from large lawsuits and catastrophic claims. What Does Umbrella Coverage Protect Against? Umbrella insurance typically covers: Once the liability limits on your auto …