Home Insurance · Texas
Personal Umbrella Insurance in Texas
A personal umbrella adds liability protection above your home and auto policies, helping protect your savings and future income from a major lawsuit.
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Personal Umbrella coverage options
Extra liability
Typically $1 million or more above home and auto limits.
Broader coverage
Can cover some claims, such as certain personal injury claims, that underlying policies don't.
Legal defense
Helps pay defense costs.
If you cause a serious accident or someone is badly hurt on your property, damages can quickly exceed the liability limits on your auto or home policy. A personal umbrella pays above those limits, typically in $1 million increments, and can cover some claims your other policies don't.
Umbrellas are especially worth considering if you have teen drivers, rental properties, a pool, or significant savings and home equity.
Who we insure
- Homeowners
- Families with teen drivers
- Landlords
- Pool owners
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Reference
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FAQ
Personal Umbrella insurance FAQ
Who needs an umbrella policy?
Anyone with significant assets or higher liability risks, such as teen drivers, rental properties or a pool.
Do I need specific underlying limits?
Yes. Umbrella carriers require minimum liability limits on your home and auto policies. We'll make sure they line up.