Your guide to
Personal Umbrella Insurance in Texas
One serious accident can lead to a claim larger than your home or auto policy was designed to pay. Our agency helps you understand how a personal umbrella policy adds another layer of liability protection.
What it covers
What a personal umbrella can cover
An umbrella policy adds liability protection above your home, auto and other personal policies. What it covers depends on the policy, so review the terms and exclusions.
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Extra liability limits
Adds liability protection above the limits of your underlying home and auto policies once those limits are used up.
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Injuries to others
Can help pay for serious injuries to other people when you are found legally responsible, such as after a car accident.
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Damage to others' property
Helps cover damage you cause to someone else's property when the cost goes beyond your underlying policy limits.
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Legal defense costs
Many umbrella policies help pay legal defense costs for covered claims, depending on the policy terms.
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Certain personal injury claims
Some policies may cover claims such as libel, slander or invasion of privacy that your other policies might not.
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Your household
Coverage often extends to relatives who live with you, depending on the policy.
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Why it matters
When your liability limits are not enough
A serious car accident or an injury at your home can lead to a claim larger than your policy limits. Without enough coverage, you could be personally responsible for the difference.
An umbrella policy generally requires you to carry certain liability limits on your home and auto policies first. Reviewing all of your policies together can help you see whether the layers fit.
An umbrella policy protects your liability, not your own property or injuries, so it works alongside your other coverage rather than replacing it.
Answers
Personal umbrella questions
Straight answers to common questions. If yours is not here, call or text our agency.
Your home and auto policies generally respond first. If a covered claim goes beyond their liability limits, the umbrella policy can help pay the rest, up to its own limit.
Insurers generally require specific liability limits on your home and auto policies first. The required amounts vary, so we can review your current policies with you.
People who own a home or rental property, have a pool, host guests often, have teen drivers or own a boat sometimes add umbrella coverage for extra liability protection.
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Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.