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Umbrella Insurance

Umbrella Insurance is a type of insurance that provides additional liability coverage. Umbrella Insurance helps protect you from claims that exceed the liability limits of your personal home insurance or auto insurance.

What does Umbrella Insurance cover?

  • Covers claims that exceed the policy coverage of your home and auto policy

  • Covers injury to others or damage to their property

  • Covers the policyholder AND other members of the family or household

  • Covers libel, slander, false imprisonment, certain lawsuits, shock, mental anguish

Requirements to Qualify for an Umbrella?

In order to purchase an umbrella policy, most states require you to hold a a certain, minimum level of liability on your homeowners and auto insurance policies.


For Texas:

  • The minimum liability limits required for an Auto Policy:

    • $250,000/$500,000/$100,000​

  • The minimum liability limits required for a Homeowners Policy:

    • $300,000 ​

Umbrella Insurance Examples:

Although the chances are quite slim that you will need liability in excess of your standard policies, if it does happen it can pose a serious financial threat. If you have children, have friends over often, and various different exposures, then discussing your umbrella insurance options is incredibly important. Below are some common examples:

  • A serious auto accident where you're at fault

  • Your teenager has a party while you're out of town, and a child is arrested causing their family to sue

  • Injuries caused to others by your dog biting someone

  • A friend/guest over at your home falls causing injuries

  • Your child's friend is over after school, and he falls causing injuries

Umbrella Insurance Cost

Umbrella Insurance is generally inexpensive, and for the cost it provides an exceptional value. Most carriers offer deals for bundling this policy with other policies such as home and auto insurance.

The more cars and homes, generally the premium increases. However, with more assets and exposures, having an umbrella insurance policy because more and more important.

Umbrella Insurance at TexPro Insurance

TexPro Insurance partners with over 25 umbrella insurance carriers. Depending on your needs, we can tailor a policy with our array of carriers while finding you the best price. 

Contact us today, we would love to discuss an umbrella insurance policy with you!

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