Personal Umbrella Insurance
Extra Protection for Life’s Big Surprises
Sometimes, standard insurance just isn’t enough. A personal umbrella policy adds an extra layer of liability coverage to protect your finances, your future, and everything you’ve worked hard for—especially when the unexpected goes beyond your existing policy limits.
What Your Personal Umbrella Insurance Can Include
Extended Liability Coverage
Adds $1 million or more in coverage beyond your auto, home, or renters insurance limits.
Legal Defense Costs
Helps cover attorney fees, court costs, and settlements—even if you’re not found liable.
Coverage for Serious Accidents
Protects against large claims, like a major car accident or injury on your property.
Personal Injury Protection
Covers claims of libel, slander, or false arrest not included in standard policies.
Worldwide Liability Protection
Follows you anywhere—ideal for frequent travelers or international property owners.
Coverage Across Policies
Works in tandem with auto, homeowners, boat, or RV insurance to provide unified protection.
Peace of Mind in West Texas
More coverage where it counts
In places like Abernathy, Lubbock, and across West Texas, life moves fast—and liability claims can come from just about anywhere. One serious accident, an injured visitor, or an auto crash could result in a lawsuit that exceeds your base policy limits. With rising medical and legal costs, even everyday events can turn costly. We help individuals and families in this region add affordable umbrella protection that helps preserve what matters most: your home, your income, and your peace of mind.
Frequently Asked Questions
How much coverage does a personal umbrella policy provide?
Most umbrella policies start at $1 million in coverage and can go up in $1 million increments. We’ll help you determine how much makes sense based on your assets, risks, and current policy limits. For many West Texas families, $1 to $2 million provides a strong balance of cost and protection. Premiums are surprisingly affordable for the amount of coverage offered.
When would I need umbrella insurance?
You’d need umbrella coverage if you’re involved in a serious accident where damages exceed your auto or home policy’s liability limits. Common examples include multi-car collisions, dog bite injuries, or someone getting hurt on your property. Umbrella insurance helps protect your savings and future income from lawsuits. It’s designed for the situations that your regular policies weren’t built to handle alone.
Is umbrella insurance only for wealthy people?
No—umbrella insurance is for anyone with assets to protect or risks that could lead to a large liability claim. Even if you don’t consider yourself wealthy, a lawsuit can target your wages, retirement savings, or property. In fact, people with moderate income often have more to lose without this extra layer of protection. We recommend it to homeowners, parents, business owners, and high-mileage drivers alike.
Does it cover business activities?
No, personal umbrella insurance doesn’t cover liability related to business or commercial activity. If you run a business, you’ll need separate coverage for that—either through general liability or commercial umbrella policies. However, if your personal actions result in a claim (like while driving or hosting guests), umbrella insurance can step in. We’ll help you distinguish what’s personal and what needs business protection.
How much does umbrella insurance cost in Texas?
In most cases, $1 million in personal umbrella coverage costs between $150 and $300 per year in Texas. That rate may vary slightly based on your number of homes, vehicles, or recreational policies. It’s a relatively small cost for the level of protection it adds. We’ll show you exactly how it fits into your larger insurance picture.
