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Umbrella Insurance
Umbrella Insurance for Extra Liability Protection
Auto and home insurance policies come with liability limits, and a serious accident or lawsuit can quickly exceed them. Umbrella insurance adds an extra layer of liability protection above your existing policies, helping safeguard your savings, your home, and your future income.
How Umbrella Insurance Works
An umbrella policy does not replace your auto or home insurance. Instead, it sits on top of those policies and takes over once their liability limits are used up. For example, if a covered accident results in a judgment larger than your auto policy’s liability limit, your umbrella policy can cover the difference up to its own limit.
Who Should Consider Umbrella Insurance
- Homeowners with a pool, trampoline, or other features that increase liability risk
- Anyone who frequently hosts guests or gatherings at their home
- Landlords renting out property to tenants
- Dog owners, since pet-related injury claims are common
- Drivers with a long commute or teen drivers in the household
- Individuals with significant savings, home equity, or other assets to protect
What Umbrella Insurance Can Cover
Umbrella policies typically extend coverage for bodily injury, property damage, and certain personal liability claims, including some situations not covered by standard home or auto policies, such as libel or slander claims. Coverage details vary by carrier, so we review your policy language with you before you buy.
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Common Umbrella Insurance Questions
No. Renters can also purchase umbrella coverage as long as they carry an underlying auto or renters policy.
Many people choose coverage equal to their total net worth, but the right amount depends on your assets, income, and risk factors.
Umbrella policies are often more affordable than people expect, since they build on liability limits you already carry.
No. You must maintain your underlying auto and home policies at the required minimum limits for your umbrella policy to apply.
Talk to Us About Umbrella Coverage
Use our online quoting tool to see how umbrella coverage fits with your current policies, or contact us to talk with a local Texas agent about your liability protection.