Your home and auto policies each include liability coverage, but every policy has a limit. Umbrella insurance adds another layer of protection that sits above those policies and can help when a covered claim goes beyond what they will pay. For families in Dallas, Houston, Austin, and communities across Texas, it is a simple way to round out a personal insurance plan.
Think of your existing coverage as the first line of protection. If you are found responsible for an injury or property damage and the costs reach the limit of your auto insurance or home insurance, your umbrella policy can step in to help with the remaining amount. Many umbrella policies also cover certain situations your other policies may not, such as some personal injury claims involving libel or slander.
Most insurers ask you to carry a set level of liability coverage on your underlying policies before an umbrella policy is added. Our agents can review your current limits and explain how the pieces fit together.
Umbrella insurance is a good fit for many households, not only those with high incomes. People commonly consider it when they
As an independent agency, we compare umbrella policies from several insurance companies and look at how each one works with the coverage you already have. Keeping your policies with one local team makes it easier to keep your limits aligned as your life changes.
Curious whether umbrella coverage makes sense for your household? Call 214-217-0900 or send us a message, and we will review your current policies and walk you through your options.
214-217-0900
