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Umbrella Insurance in Texas

Customized umbrella policies.

Owning a car and having significant assets means you’ve worked hard to build your financial security. The last thing you want is for a rogue asteroid—metaphorically speaking—to wipe out the fruits of all your labor. That’s where an umbrella insurance policy comes into play. It acts as a safety net, kicking in when your other policies reach their limits.

Explore how an umbrella policy can enhance your insurance coverage and protect your financial well-being.

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Life is unpredictable, and an umbrella policy is a smart way to protect yourself and your assets from unforeseen events. It doesn’t just provide extra coverage; it can also save you money. By covering gaps left by your other policies, an umbrella policy ensures that a single incident doesn’t lead to financial ruin.

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Insurance can be confusing. All of the jargon, terms, and coverages. Work with an agent who will help you understand exactly what your premium dollars are being spent on.

What is an umbrella policy?

Personal umbrella policies, often referred to as excess liability insurance, provide additional coverage beyond the limits of your existing policies. They activate once the coverage limits of your standard personal insurance policies—such as auto, homeowners, renters, landlord, boat, or motorcycle insurance—are exhausted.

Umbrella policies also offer protection that typical policies may not cover. For instance, your auto and homeowners insurance might exclude personal injury claims such as slander, libel, false arrest, invasion of privacy, or defamation. In contrast, a personal umbrella policy typically covers these personal injury claims for you and your household members.

What are some examples of an umbrella policy?

Scenario 1: Your dog bites a visitor in your home, resulting in severe injuries. The visitor sues you for $800,000 in medical expenses and lost wages, but your homeowner's personal liability coverage only provides $300,000. A $1 million personal umbrella policy would cover the remaining $500,000. Without this policy, you would need to pay the $500,000 balance from your assets.

Scenario 2: You are involved in a multi-car accident where multiple people are injured, and the total damages amount to $1.5 million. Your auto insurance covers $500,000, but you are still liable for $1 million. A personal umbrella policy with a $2 million limit would cover the remaining $1 million, protecting you from having to pay out-of-pocket.

In both scenarios, an umbrella policy provides critical protection that shields you from significant financial loss beyond the limits of your standard insurance policies.

What are some things an umbrella policy excludes? 

Umbrella insurance provides extensive coverage, but it does have exclusions. Here are some common exclusions:

Intentional Acts: Any harm or damage you cause intentionally will not be covered.

Business-Related Liability: Claims related to business activities are typically excluded. For business protection, you would need a commercial umbrella policy.

Contractual Liability: If you are held liable due to a contract you entered into, this is generally not covered.

Owned or Rented Aircraft: Liability arising from the use of owned or rented aircraft is not covered.

Owned Watercraft Over a Certain Size: There are limitations on the size of watercraft covered. Large yachts and certain other watercraft are typically excluded.

Damage to Your Own Property: Umbrella insurance does not cover damage to your own property. This is covered by your homeowners, renters, or auto insurance.

Workers' Compensation Claims: Any claims related to workers' compensation are excluded.

Certain Dog Breeds: Some insurers exclude liability coverage for certain dog breeds deemed dangerous.

War and Terrorism: Claims resulting from acts of war or terrorism are excluded.

Punitive Damages: Punitive damages, which are intended to punish the defendant, are typically excluded.

Criminal Activity: Any liability resulting from your criminal activities is not covered.

Professional Services: Claims related to professional services you provide (e.g., medical malpractice) are excluded; for this, you need professional liability insurance.

Understanding these exclusions can help you determine whether you need additional or different coverage to fully protect your assets.

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