Umbrella insurance: one layer over everything
When a claim blows past the limits of your auto or home policy, an umbrella policy is what stands between the judgment and your savings. It's the least expensive million dollars of protection most people can buy.
What's covered
What an umbrella policy adds
Extended liability
Extra protection above your auto, home, and boat policy limits.
Legal defense
Attorney costs for covered claims — often before the underlying limit is even reached.
Worldwide coverage
Protection that travels with you, not just your address.
Landlord liability
A layer over rental properties and the claims they can attract.
Personal injury
Libel, slander, and defamation claims the base policies skip.
High-limit options add-on
One to five million and beyond, priced surprisingly low.
Is this you?
Who benefits most?
Homeowners with equity
The more you have, the more a judgment can reach.
Drivers of teens & boats
More wheels and water means more liability.
Landlords & hosts
Guests and tenants raise your exposure.
High-visibility professionals
Anyone a lawsuit might single out.
The Coastal Shield difference
An independent agency in your corner
Carriers compete for you
We quote your policy across multiple trusted insurers and let the numbers argue for themselves.
Built around your life
Your home, your budget, and your plans decide the coverage — never a one-size template.
Coastal know-how
Wind zones, flood maps, hurricane deductibles — we work with them every day because we live here too.
People, not queues
From your first quote to a claim at the worst moment, you reach the same local team.
Client reviews
In their own words
Every quote below is a real Google review from a Coastal Shield client, unedited.
“The absolute best insurance agency around. They are responsive, provide excellent options, and stay in touch until you are satisfied. I wouldn’t go anywhere else for my insurance needs.”
Sandi Burner · Google review
“The customer service at Coastal is exceptional. Madisyn kept me updated throughout the entire process and got us a great rate. She’s always available and explains things clearly.”
Dawn D. · Google review
“I`ve dealt with hundreds of customer service reps over the decades and I can say without reservation that Anna is in the Top 1% of service. She exudes warmth and total responsiveness throughout the entire process while meeting her client`s needs. Coastal Shield Insurance made life simpler and we are delighted to have them as our go-to insurer.”
Neil Cotiaux · Google review
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable! I highly recommend anyone looking for top notch insurance solutions to contact Anna!”
Dawn DiBrino · Google review
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