Umbrella insurance
Extra liability protection for your household
A personal umbrella policy adds a layer of liability coverage above your home and auto policies, helping protect your savings, home equity and future income if a serious claim exceeds your underlying limits.
How an umbrella policy works
Umbrella coverage sits on top of the liability limits in your other policies. It typically responds only after those limits are used up.
Higher limits
Umbrella policies are commonly written in increments of $1 million. If a judgment exceeds your auto or home liability limit, the umbrella can respond to the remaining amount, up to its own limit.
Broader protection
Some umbrella policies cover certain claims your underlying policies do not, such as some personal injury claims like libel or slander. What is included varies by carrier, so we review the specific wording with you.
Legal defense
Many umbrella policies help pay for legal defense in covered claims, which can be substantial even when a lawsuit is ultimately resolved in your favor.
Your whole household
Coverage generally extends to resident family members, which matters for households with teen drivers or young adults still living at home.
Who should consider an umbrella in Texas
Umbrella coverage is worth discussing if you own a home, have meaningful savings or retirement accounts, have teen drivers, own a pool, trampoline or boat, host guests often, or own rental property. These situations increase the chance of a liability claim or raise what you could lose if one exceeds your underlying limits.
Carriers usually require minimum liability limits on your home and auto policies before they will write an umbrella, so the right approach is to look at all three together. That is why we typically quote umbrella coverage alongside your home and auto, and we will show you how the underlying limits and the umbrella fit as one plan.
Ready for an umbrella quote?
Umbrella coverage is usually quoted with your home and auto. Start an instant home and auto quote, or talk with an agent about the limits that make sense for your household.
Related coverage and guides
Home insurance
Your underlying personal liability coverage.
Auto insurance
Your underlying auto liability limits.
Teen drivers
A common reason households review liability limits.
Landlord insurance
Rental properties can often be added to an umbrella.
Why work with Prout Insurance Agency
Choice, not a single company
As an independent agency we are appointed with multiple insurance companies. That lets us compare coverage and price side by side instead of fitting you into one company’s products, and re-shop your policy if a renewal stops making sense.
Plain-English advice
We explain deductibles, exclusions and optional coverages before you buy, so there are fewer surprises later. You get a recommendation and the reasons behind it, and the final choice is always yours.
An agent who stays with you
When you add a driver, buy a new home or need help with a claim, you call the same Austin-based agency that set up your policy. We serve clients across Texas by phone, email and video.
“From the moment Stephanie Dawn Early with PROUT INSURANCE, returned my call, I knew I was in good hands. Prompt, friendly and very helpful, Ms. Early handled all my concerns with confidence. I would definitely refer her to anyone with insurance needs.”
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This page is general information, not a policy or a promise of coverage. Coverage, limits, exclusions and availability vary by carrier, policy and location; your policy documents govern.
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