Umbrella Insurance
Umbrella Insurance in Texas & Michigan — Extra Protection When You Need It Most
Add liability protection above your auto and home policies to help shield your assets.
If you are sued after a serious accident or injury on your property, costs can exceed the liability limits on your basic policies. An umbrella policy sits on top of those limits and can help cover catastrophic claims.
- Extra liability protection beyond auto and home limits
- Useful for families and business owners with assets to protect
- Compared across carriers for competitive pricing
Frequently Asked Questions
Umbrella insurance provides additional liability coverage above and beyond the limits of your home and auto policies. If you're sued after a serious car accident or someone is severely injured on your property, umbrella coverage kicks in once your standard policy limits are exhausted. It also covers some situations your underlying policies may not — such as libel or slander claims.
A $1 million umbrella policy typically costs $150–$300 per year — often less than $25/month. It's one of the most cost-effective ways to protect your assets. Additional million-dollar increments are usually even cheaper.
Anyone with assets worth protecting. This includes homeowners, people with savings or retirement accounts, parents of teen drivers, dog owners, anyone who hosts gatherings at their home, and landlords. If you'd have difficulty paying a six or seven-figure legal judgment out of pocket, umbrella coverage is worth it.
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