Busy roads, pools, and rental properties can raise your liability risk. Umbrella insurance can add protection above your Texas home and auto policies.
Shopping for umbrella insurance in Texas? An umbrella policy can help when a covered claim goes beyond your home or auto limits. A Blue Peak advisor can help you compare options and underlying requirements.
Texas households often own several vehicles, second homes, or rentals. Each one adds liability exposure worth reviewing.
An umbrella policy adds liability protection that sits above your other personal policies.
Once your home or auto liability limit is used up on a covered claim, an umbrella policy can help pay the remaining amount, up to its own limit.
Some umbrella policies cover certain claims your other policies do not, such as some defamation claims. Coverage depends on the policy wording.
Most insurers require you to carry minimum liability limits on your auto and home insurance in Texas before they will write an umbrella.
Umbrella policies have limits and exclusions. Business activities, for example, usually need separate commercial coverage.
A licensed Blue Peak advisor can review your options and help you request a quote.
Here is how an umbrella fits with common Texas coverage.
Texas requires 30/60/25 auto liability. Most umbrella insurers require higher underlying limits, which also gives you more protection on its own.
Pools, boats, and frequent guests can increase liability risk. Ask whether your umbrella extends over each of these exposures.
If you own a second home or rental in Texas, each property may need its own underlying liability coverage.
Use these questions when you compare quotes or review your current policy:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell umbrella insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website.
Texas has some of the most active weather in the country, with hailstorms across North Texas, hurricanes and tropical storms on the Gulf Coast, flash flooding in Houston and the Hill Country, and hard freezes like the February 2021 winter storm. Texas requires at least 30/60/25 liability coverage, and personal injury protection (PIP) is included in every policy unless you reject it in writing.
Blue Peak works with families and property owners in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your umbrella insurance before you decide.
No. It is optional, but it can add liability protection above your home, auto, and other personal policies.
It can, if the property has the underlying coverage your insurer requires. An advisor can review each property with you.
Cost depends on the limit you choose, the number of homes, vehicles, and drivers in your household, and your claims history. A quote is the best way to see pricing.
Your home and auto policies have liability limits. An umbrella can help when a serious claim goes beyond those limits.
Many people start by looking at their assets and possible future earnings. An advisor can help you choose a limit that fits your situation.
A serious accident or lawsuit can go beyond your home and auto limits. An umbrella policy can help protect your savings, your home, and your future income.
Learn more about our umbrella insurance options, or see our guide to personal insurance in Texas.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
