Hello!

Trying to get an umbrella policy to increase my liability coverage now that i'm close to closing on my property in Florida.

I have a 21 year old au pair from Brazil who lives with me and drives my cars and is covered under my geico auto insurance.  I called my primary home insurance and they said they can't give me an umbrella policy because one of my cars is driven by someone under 22, who hasn't had a US license for more than a year (she had an international drivers license and a few months ago got a US license).

I asked for an exception, and to not include her in this coverage, it's more to protect my assets from anything that happens at the property by a guest who goes after my personal assets....

Florida is tough to buy a property outright with an LLC, so the property is purchased in my name, but i'm seeking further protection.

Anyone else run into this.........