INSURANCE · TEXAS
Umbrella Insurance
Extra liability protection on top of your auto and home policies, for the big claims that go past your regular limits.
What it covers
Extra liability
Pays after your auto, home or boat liability limits are used up.
Injury and property damage to others
Covers serious claims, such as a bad car crash or a guest injured at your home.
Some claims your other policies do not cover
Many umbrellas also cover things like libel, slander or false arrest. It depends on the policy.
Legal defense
Often helps pay for your defense in a covered lawsuit.
Who needs it in Texas
- Texas does not require umbrella insurance.
- It is worth a look if you have significant savings or assets, a teen driver, a pool, a dog, rental property or a boat.
- Insurers commonly require certain liability limits on your underlying auto and home policies first (III).
Common questions
What is an umbrella policy?
Extra liability insurance that starts paying after the limits on your other policies, like auto or home, are used up (III).
Do I need home and auto with the same company?
Not always, but many carriers prefer it or offer a discount. We will compare both ways.
Does it cover damage to my own property?
No. An umbrella covers your liability to others, not your own car or home.
Is umbrella insurance required in Texas?
No. It is optional, but it can protect your savings from a large lawsuit.
How AVYRO helps
- Tell us what you need to cover, by phone or online.
- We compare options from our appointed carriers.
- You pick the coverage, and we handle the paperwork.
Carriers we work with
Availability depends on the carrier, your location and underwriting. We will tell you which carriers can quote you.
Sources: III: What is an umbrella policy? · TDI: Home insurance guide
AVYRO Insurance & Tax is a licensed Texas insurance agency (TX Lic #3366212), not an insurance company. Coverage, rates and eligibility are set by the issuing carrier and are subject to underwriting. Quotes are estimates until a policy is issued. Not all carriers or products are available in all areas. This page is general information and does not change any policy terms; your policy controls. Rules can change, so check the sources above. Not legal advice. We never ask for your Social Security or driver’s license number through this site.
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