Umbrella Insurance
Extra liability coverage that kicks in once your auto or home policy limits are used up — protecting your savings, income, and assets.
Coverage highlights
- Additional liability coverage above your auto and home policy limits
- Protection against major lawsuits, including certain claims your underlying policies don't fully cover
- Coverage that follows you, not just a single property or vehicle
- Available in $1 million increments and up
- One of the most cost-effective ways to protect your savings and future income
Why it matters here
A serious accident or lawsuit can exceed standard auto or home liability limits fast, and Texas juries can award significant judgments. Umbrella coverage is inexpensive relative to the protection it adds, and we help Texas families figure out how much makes sense for their situation.
FAQ
Do I need umbrella insurance if I already have auto and home insurance?
If you have any meaningful savings, home equity, or future income to protect, umbrella coverage fills the gap once your underlying auto or home liability limits are exhausted.
How much does umbrella insurance cost?
It's typically one of the most affordable coverages per dollar of protection — often a few hundred dollars a year for $1 million in additional coverage, depending on your underlying policies.
Do I need auto and home insurance with you already to get umbrella coverage?
Umbrella coverage sits on top of your existing auto, home, or renters liability limits, so you'll need those policies in place — we can help make sure everything lines up.