Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

How can I get more liability insurance?

I am from Canada, and there we can have a 2 million dollar liability policy with no problem. In Florida, I can't get anyone to write a policy for more than $300k in liability. What can I do about this if I want more coverage? I won't even be using my car all year - it will be in storage for several months at a time.

Jan 23, 2023 Miramar, FL

Answer
Author profile picture

Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Thank you for reaching out to The Zebra! This is an excellent question. There are very few carriers in the state of Florida that will write that high of liability coverage. The insurance companies that we offer here at The Zebra will offer up to 250/500.  What this means is if you are at fault for the accident the insurance policy will pay up to $250,000 per person or $500,000 per accident if you were to injure any person(s).

All is not lost though! Many insurance companies will also offer what we call umbrella insurance. This gives you extra liability coverage for not only your auto policy but your home as well.  We have a number of companies that offer umbrella insurance that will provide the $2 million liability limit you are requesting.

In regards to your car insurance: if you were to injure the other party and the damage exceeded your auto liability limit, then your umbrella insurance would kick in and potentially pay up to its separate policy limit. So if you purchased a $2 million umbrella with an auto policy, then you would have comparable coverage to what you have in Canada. However, you would still need to have liability insurance on your auto even if it's in storage in order to keep your umbrella insurance policy in place. Umbrella insurance requires that you have a required minimum liability limit on both your auto and your home as it provides excess liability coverage for both.

You can call our agency to get a personalized quote at 888-444-8949 and speak to a licensed insurance advisor. They will be able to assist you with any additional questions, and if all goes well they will be able to get you proof of insurance before you hang up.

Hope this helps!

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare auto insurance rates and save up to $670 per year!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Will homeowners insurance cover a tree falling on my house when I cut it down?

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing. Learn more about fallen tree damage and home insurance. Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insuran…
Oct 7, 2017 Jacksonville, FL

Why am I getting quotes that are so drastically different?

Thank you for reaching out to The Zebra!Insurance quoting and rating is a very complex process, and it can get a little confusing. When you quote something on our website, the coverages you were quoted might not be exactly the same which can cause variances in the price. Specifically in Florida, th…
Jun 15, 2023 Mt. Dora, FL

Can I insure a car with a rebuilt title?

Thanks for reaching out to The Zebra! Rebuilt, or salvage-titled vehicles, can be a little more tricky to deal with but you can still insure them.To get insurance on a vehicle with a rebuilt title, you need to find the proper insurer since not every company will offer coverage. It’s important to no…
Sep 16, 2021 Garfield, OH

Parked car insurance so I can get tags for my vehicle

There's a couple of things to think about here. First, there isn't really anything for parked car insurance. What you may be thinking about is storage insurance. This coverage isn't provided by every company and usually only available if you have another vehicle insurance for at leas…
Oct 5, 2018 Mesa, AZ