Personal Umbrella insurance · Texas
Umbrella insurance for when limits run out
A personal umbrella adds a layer of liability coverage above your home and auto policies, so one serious claim doesn’t put your assets and future earnings at risk.
TexPro Insurance is an independent insurance agency based in Houston, Texas, licensed in Texas only, serving clients across the state with property and casualty coverage.
What it covers
What a personal umbrella policy can include
Coverage varies by carrier and policy form. Here’s what we typically review with you.
Excess liability
Pays after your home or auto liability limits are used up on a covered claim.
Injury and property damage
Claims for injuries to others or damage to their property.
Household members
Typically extends to your spouse and relatives living with you.
Personal injury
Certain claims such as libel, slander and false arrest, depending on the policy.
Legal defense
Defense costs for covered claims, subject to policy terms.
Rental and landlord exposure
Can sit above landlord policies, too, if the carrier allows.
General summary only. The actual policy language controls, and all coverage is subject to underwriting approval.
Who it’s for
Is this you?
- Families with teen drivers
- Homeowners with pools, trampolines or frequent guests
- Dog owners
- Landlords and owners of multiple properties or vehicles
- Anyone whose net worth or income exceeds their current liability limits
How qualifying works
- Carriers require certain underlying liability limits on your home and auto policies before they’ll write an umbrella. Requirements vary by carrier.
- We’ll check your current limits and show you what needs to change to qualify.
- Umbrella pricing often depends on the number of homes, vehicles and drivers in your household.
How TexPro helps
Advice first. Then the quote.
We start with your situation
What you own, what you drive, what you’d stand to lose. Coverage is built around that, not a template.
We shop multiple carriers
We compare coverage, limits, deductibles and price across carriers, and show you the differences side by side.
We stay with you
Changes, renewals, certificates and claims questions. You call the same Houston team that set up your policy.
FAQ
Frequently asked questions
Who needs an umbrella policy?
Anyone whose assets or future income could be exposed by a large liability claim. Teen drivers, pools, dogs and rental properties are common reasons.
Do I need certain limits first?
Yes. Carriers set minimum liability limits on your underlying auto and home policies. We’ll review yours.
Does an umbrella cover my business?
Generally no. Business liability is handled by a commercial umbrella or excess policy.
General information only. Coverage depends on your policy; the actual policy language controls, and all coverage is subject to underwriting approval.
Related coverage
Often reviewed together
Ready to review your umbrella coverage?
Tell us what you need protected. A licensed TexPro agent will compare options from multiple carriers and walk you through them.