Liability CoverageIf you take a close look at your Citizens home insurance policy, you’ll notice that your personal liability coverage has dropped from $300,000 to $100,000 in your renewal contract.as of May 1, 2012. Personal liability insurance might be one of those policies we don’t give much thought to because we don’t think we’ll ever need it. But, if you do ever find yourself needing to make a claim or pay a judgment, the reduction in coverage could cost you big time.

Aside from the obvious reduction of $200,000 in personal liability coverage, this change also has costly implications if you have an umbrella insurance policy. Umbrella insurance policies cover damage in excess of what your homeowners insurance covers and kick in after you exhaust the coverage on your homeowners policy. Though your primary and auto policies pay for the majority of your claims, umbrella policies cover you in the event you are held liable for injuries or other accidents on your property or involving your vehicle.

Most umbrella policies in Florida require you to have $250,000 to $300,000 in personal liability coverage on your homeowners policy before the umbrella coverage kicks in. So you’d either have to make up the $200,000 difference on your own before your umbrella policy paid any money out, or you’d have to get gap insurance. Your agent might also suggest moving the “non-hurricane portion” of your homeowners insurance to another carrier.

It’s important to stay on top of changes in your homeowners policy, whether you have Citizens or another carrier because you may not realize you’re not as covered as you thought until it’s too late. Ask your agent about liability coverage changes each time you renew your policy – or any time! – to make sure that you will be able to get the payout you need, when you need it.

Related Posts

Aaron Skloff
Aaron Skloff
October 30, 2023
Stephen was very knowledgeable and sincerely took an interest.
D H
D H
July 28, 2022
Florida’s Best Public Adjusters ARE the best. Our adjuster came to the house a few times to scope out the damage from a water leak and he spent quite a bit of time measuring the affected areas. The resulting claim amount was amazing. If we had handled the insurance company ourselves we would have come up way short. We highly recommend and trust Florida’s Best. Thanks Julian!
Erika Clancy
Erika Clancy
May 1, 2022
Stephen Lippy was great to work with! Very informative and communicative throughout the process. We were not familiar with the public adjusting process but Steve and his team helped walk us through everything and explained things very thoroughly.
Ken Fraidin
Ken Fraidin
April 8, 2022
Julian & Florida's Best Public Adjusters were extremely helpful in getting winning my claim. They were easy to work with, very responsive & made the process very easy. I recommend them highly.
Miriam B. R.
Miriam B. R.
May 6, 2021
Stephen Lippy is a professional and experience PA. Stephen is knowledgeable and reliable. He provided personal attention and was always available to answer all questions. Excellent services!
Nekisha Hyman
Nekisha Hyman
May 5, 2021
Receive a referral from a friend for this company. I was very pleased with the way they handled my claim and were able to resolve my issues without too much hassle from the insurance company. Their follow through is amazing. The follow up after things are resolved is exceptional.
scott solomon
scott solomon
May 4, 2021
The professional service we received made our insurance claim easy.
Ryan Steele
Ryan Steele
March 17, 2021
Stephen got my denial reversed….had all to do with his reputation, and not the “luck of the Irish” on this St. Patrick's day! Him and his team are very professional, responsive and caring during the entire ordeal. If they are not on your team, you have chosen poorly.
no obligation consultation

FREE CLAIM ANALYSIS

Once we establish we can help you, and its in your best interest to file an insurance claim, we will schedule an onsite inspection. Speak with one of our adjusters today to start your insurance claim!

We are available 24/7!

ALWAYS ON YOUR SIDE

Florida's Best Public Adjusters

At our firm, we’re aligned with your objectives – securing the highest possible financial restitution for the damage sustained by your property or enterprise. Our team of Public Adjusters is dedicated to optimizing your insurance claim’s value.

Notably, we hold the top spot in Google Search rankings as the leading Public Adjuster. What sets us apart is our unwavering commitment to serving your best interests, as we work exclusively for you, not the insurance provider. Our mission is clear: to assist you in fully maximizing your insurance claim.

Stephen Lippy

CEO & Founder of Florida’s Best Public Adjusters

Insurance Claim Tips, News and More.

OUR PUBLIC ADJUSTING BLOG

Your go-to resource for all things insurance claim related. Stay informed with the latest news, gain valuable insights, and discover essential tips to navigate the complex world of insurance claims. Whether you’re a homeowner, business owner, or simply curious about the industry, our blog is your trusted source for expert advice. Explore our posts and empower yourself to make informed decisions.