Umbrella insurance — a million dollars of extra protection for less than a coffee a day.
A personal umbrella policy stacks $1M–$5M of extra liability coverage on top of your existing auto and home policies. For most Texas families with real assets, it's the single most cost-effective coverage you can buy — often under $260/year for $1M of protection.
An independent approach to umbrella insurance.
A personal umbrella policy stacks $1M–$5M of extra liability coverage on top of your existing auto and home policies. For most Texas families with real assets, it's the single most cost-effective coverage you can buy — often under $260/year for $1M of protection.
We're not tied to a single carrier — which means our umbrella insurance recommendations are built around what's actually right for you, not whichever company we happen to represent. Every quote is shopped across a dozen top-rated Texas insurers, then presented to you side-by-side in plain English so you can see exactly what you're paying for and why.
- $1M – $5M in additional liability protection
- Coverage above your auto and home liability limits
- Protection against lawsuits, judgments, and legal fees
- Worldwide coverage on covered incidents
- Coverage for libel, slander, and false arrest claims
- Extremely low cost relative to protection provided
Coverages inside a umbrella insurance policy.
Click any coverage below to read what it covers, why it matters, and how it applies to your situation.
You should call us if…
You own a home, rental property, or significant assets
You have teen drivers on your auto policy
You have a pool, trampoline, or dog on premises
Your net worth exceeds your current liability limits
You serve on any board or coach a youth team
How we do this.
Underlying review
We confirm your auto and home liability limits meet umbrella requirements.
Quote
Umbrella quotes typically ready in one visit.
Bundle
Adding umbrella often unlocks additional multi-policy discounts.
Bound
Coverage in force immediately upon payment.
A quiet, honest way to shop for insurance.
We're not the cheapest — we're the fairest. We show you exactly what carriers quoted, explain the trade-offs, and never sell you coverage you don't need.
"They walked me through every quote line by line. First time I've ever felt like my insurance agent was actually on my side."
Umbrella Insurance questions, answered.
Call (713) 773-1900 — a real person will answer during business hours.
Related services
Umbrella Insurance by city
Get your umbrella insurance quote today.
We'll compare umbrella insurance across a dozen top-rated Texas carriers and get back to you within one business day.