Texas Personal Umbrella Coverage
Texas Personal Umbrella Insurance
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If you’re sued for damages that exceed your primary insurance liability
limits, an umbrella policy helps pay what you owe.
Find out the additional protection you can get with umbrella insurance.
Personal Umbrella Insurance offers up to 5 million in added liability
protection above your current auto and homeowners policies.
What Is Umbrella Insurance?
Simply put, a personal umbrella policy or a PUP is an extension of your
liability insurance. It helps broaden and increase your protection. This can
include significantly upping your coverage limit to relieve the financial
strain of medical bills and legal fees in the event of an extremely costly
What Does Umbrella Insurance Cover?
Umbrella insurance protects you in liability situations where your home,
auto or boat policies come up short. The extra coverage protects you in two
ways—and here they are:
Increases the dollar limit of liability coverage for primary policies: Say
your auto insurance liability coverage limit is $300,000. If you
purchase an umbrella policy of $1 million and cause an accident that
exceeds your $300,000 auto insurance liability limit, your umbrella
insurance can cover the remainder, up to a total of $1.3 million. That’s
Why Should I Buy Umbrella Insurance?
Umbrella insurance is surprisingly inexpensive, especially considering
everything it can do. It would be a shame to get stuck with massive bills if
the unexpected strikes, when it could have all been covered at a fraction of
the cost. Liability incidents come in all shapes and sizes, so being ready
for everything from the itty to the not so bitty is key for your financial
Examples of umbrella liability claims:
Car accidents: Even if you keep those hands at 10
and 2 and almost always use your blinker, you could cause a serious
accident that includes hospitalization. In this case, your umbrella
policy kicks in once the $300,000 liability coverage limit on your auto
policy is reached.
Dog bites: Your little Yorkie-poo hurdles your
fence and attacks a neighbor, resulting in extensive medical costs. In
this case, your umbrella policy covers the excess costs of
hospitalization, care and rehabilitation after your homeowners liability
coverage is maxed out.
Trampolines: Your kid’s friends are doing
acrobatic flips, kicks and tucks on the trampoline in your yard and one
of them makes a nasty landing, getting seriously injured. In this case,
your umbrella liability handles the cost after your homeowners or
renters’ liability limits are hit.