PERSONAL INSURANCE · TEXAS
Texas Personal Umbrella Insurance
A serious liability claim can exceed the limits on a home or auto policy. BIG - Brock Insurance Group helps Texas families review whether an umbrella policy could provide additional liability protection.
Add another layer of liability limits
A personal umbrella can provide additional limits above certain eligible underlying liability policies, often home and auto. Eligibility, required underlying limits, covered people, exclusions, and how a claim is handled vary by insurer. We’ll compare the details with your current policies.
BIG serves Texans from Friendswood and New Braunfels. Share your current liability limits and the people and property you want reviewed.
Home liability
Review the liability limit on your homeowners policy and whether the proposed umbrella can sit above it.
Auto liability
Look at your auto policy, drivers, and vehicle limits. An umbrella insurer may require minimum primary limits.
Recreational risks
Ask whether boats, RVs, or other exposures can be included and which underlying policies or endorsements are required.
Questions to ask
Does an umbrella cover damage to my own home or car?
An umbrella is generally for liability to others, not a replacement for your own property or auto physical damage coverage.
Does every umbrella cover the same activities?
No. Policies differ in covered risks, exclusions, limits, and requirements for underlying insurance. Tell us about drivers, rentals, boats, and other relevant activities.
Before you request a quote
- Gather home, auto, and other liability declarations pages
- List household drivers, vehicles, and any recreational property
- Tell your agent about rental properties or other exposures
- Decide which additional liability limits you would like to compare
Coverage depends on policy terms, exclusions, and eligible underlying insurance.