Extra Protection. Total Peace of Mind.
When a serious claim exceeds your auto or home limits, an umbrella policy protects your savings, home, and future income.
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About Umbrella Insurance
Umbrella Insurance in Hialeah & South Florida
A single serious accident or lawsuit can exceed the limits of your auto or home policy — and once that happens, your savings, assets, and future wages are exposed. Umbrella insurance adds an extra layer of liability protection, typically in million-dollar increments, for a remarkably low cost.
Kapital Insurance Group helps families and business owners protect what they've built with umbrella coverage that sits on top of your existing policies, kicking in exactly when you need it most.
Why choose us
The Kapital advantage on umbrella insurance
Million-dollar protection
Add $1M or more in liability coverage above your auto, home, and boat policies.
Surprisingly affordable
Umbrella coverage is one of the best values in insurance — a little goes a very long way.
Protects your assets
Shields your savings, home equity, and future income from large judgments.
Covers more than you'd expect
Includes certain claims like libel, slander, and landlord liability your base policies may exclude.
What's covered
Coverage options built around you
We tailor your policy to your real needs — never more than you need, never less than you should have.
Excess Liability
Pays covered claims above the limits of your underlying auto, home, or boat policies.
Legal Defense
Covers attorney and court costs for covered claims, often beyond your policy limit.
Personal Injury Claims
Includes certain claims like slander, libel, and false arrest that base policies may not.
Worldwide Coverage
Extends liability protection for covered incidents that happen away from home.
Questions, answered
Umbrella Insurance — frequently asked questions
Common questions about umbrella insurance in Florida, answered by our local team.
Anyone with assets or future income to protect — homeowners, landlords, parents of new drivers, and business owners. If a lawsuit could exceed your current limits, an umbrella makes sense.
A common starting point is $1,000,000, scaled up based on your net worth and risk. We'll help you choose a limit that protects what you've built.
Yes. An umbrella sits on top of underlying policies that must carry certain minimum limits. We can structure your auto and home coverage to qualify, often saving you money in the process.
Loved by South Florida
Hundreds of neighbors, one trusted advisor
Here's what real clients say about working with Jenisffer and the Kapital team.
“Jenisffer saved me over $90 a month on my car insurance and explained everything in Spanish. The whole thing took fifteen minutes and I had my ID cards the same day. I've already sent my whole family to her.”
Maria G.
Hialeah · Auto Insurance
“I run a small delivery business and needed certificates fast to land a new contract. Kapital had everything ready within an hour. Professional, quick, and they actually answer the phone.”
Carlos R.
Doral · Commercial Auto Insurance
“Florida home insurance was stressing me out until I called Kapital. They found me a better policy for less and walked me through my hurricane deductible so I finally understood it. Highly recommend.”
Yanet P.
Miami Lakes · Home Insurance
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Compare top carriers in minutes and start saving today. Free, no-obligation, and bilingual.
Free & no obligation · Takes about 2 minutes · Hablamos español