Umbrella Insurance in Texas — Affordable Protection Beyond Your Limits
One Accident Shouldn’t Cost You Everything — Add an Extra Layer of Liability
Personal umbrella insurance gives you additional protection when life’s biggest surprises strike. If a major car accident, property mishap, or lawsuit results in damages above your home or auto policy limits, an umbrella policy covers the excess — often up to $1 million or more. For example, if you’re found liable for $1 million in an accident but your auto policy only pays $300,000, umbrella insurance covers the gap, protecting your savings, retirement, and future earnings.
Who Needs Umbrella Insurance — And What Does It Protect?
Umbrella policies cover you and family members in your household against large lawsuits and liability claims, not only in Texas but worldwide. Protection kicks in after your underlying auto, home, renters, or even boat insurance limits are reached. It often covers:
Bodily injury and property damage lawsuits
Auto and boating accidents
Liability for rental property owners
Personal injury like libel or slander (in many cases)
You don’t need to be wealthy — anyone with assets, savings, or income to protect can benefit.
High Coverage, Modest Cost — Protection for Everyday Texans
Umbrella insurance offers $1 million or more in extra liability coverage for a surprisingly low premium — often just a few hundred dollars a year when bundled with your home and auto. This makes it one of the most cost-effective ways to safeguard your financial future. Coverage can often be extended to rental properties, boats, and more.
Real-World Risks, Real Protection
Texas is known for big claims and unpredictable events — from serious auto accidents to accidents on your property. Medical bills, legal fees, and settlements can easily exceed standard insurance limits. Without umbrella protection, your savings, home, and future wages could be at risk. With an umbrella policy, you get peace of mind knowing you’re protected from financial ruin, no matter what.
Your Umbrella Insurance Questions, Answered
What is umbrella insurance and do I need it?
It’s extra liability coverage that takes over when your home, auto, or boat policy limits are exhausted. It’s smart for anyone with assets or future income to protect.
How much does a personal umbrella cost on average?
Premiums are usually affordable — often $15–$20 per month for $1 million in coverage if you have home and auto with the same insurer.
Will umbrella insurance cover rental property or boat liability?
Yes, most umbrella policies extend to rental properties and boats once you have the required base coverage.
Is umbrella insurance only for high net worth individuals?
No! It’s designed for anyone who wants extra protection at a modest cost — not just millionaires.
Get Big Protection for a Small Price — Request an Umbrella Quote
Find out how affordable true peace of mind can be. Willingham Insurance Agency makes umbrella coverage easy and explains exactly how it fits your life in Texas. Contact us for a quote or to learn more.