Personal Umbrella Insurance
Extra liability protection that sits above your home, auto, and other policy limits — one of the most affordable ways to protect what you've built. We write umbrella policies for households throughout Williamson, Travis, and Burnet counties.
Umbrella coverage at a glance
- Extra liability above home & auto limits
- Covers libel, slander & similar claims
- Worldwide coverage
- Often just a few hundred dollars a year
No spam, no obligation — a licensed Texas agent follows up directly.
A second layer of protection when the worst happens
An umbrella policy pays out once your underlying home or auto liability limits are exhausted, plus covers some things they don't.
Extra Liability Limits
Additional coverage — typically $1 million or more — above your home and auto liability limits.
Legal Defense Costs
Coverage for legal defense in a covered liability claim or lawsuit, even if it's ultimately found in your favor.
Libel, Slander & Similar Claims
Protection for certain personal liability exposures that home and auto policies may not fully cover.
Worldwide Coverage
Liability protection that follows you, not just claims that happen at your property.
Extends to Toys & Rental Property
Can extend liability protection over boats, rental properties, and other underlying policies you hold with us.
Affordable for the Protection
Often one of the least expensive ways per dollar of coverage to add real protection.
Inexpensive protection that's easy to overlook until you need it
Independent, not captive
We compare your risk across multiple carriers instead of quoting just one company, so you see real options side by side.
A real person, not a call center
Your agent answers the phone, explains coverage in plain English, and stays your point of contact through renewals and claims.
Built around Hill Country living
From acreage properties to lake toys, we write coverage that reflects how people actually live around Liberty Hill and Central Texas.
Extra protection for what you've built in Central Texas
Umbrella coverage tends to matter most for anyone with real assets to protect, teen drivers, a pool, a dog, or a lake toy — all common around Liberty Hill and the surrounding lake communities. It's a policy that costs little and does a lot of quiet work.
Umbrella insurance questions
How much umbrella coverage do I actually need?
It depends on your assets, income, and risk exposure — a common starting point is coverage equal to your net worth, but we'll talk through your specific situation rather than default to a generic number.
What actually triggers an umbrella claim?
It kicks in once the liability limits on your underlying home, auto, or other policy are exhausted in a covered claim, or in some cases for exposures those policies don't cover at all.
Does umbrella coverage extend to a rental property I own?
It can, as long as the rental property's own liability coverage is also in place and meets the umbrella carrier's underlying requirements. We'll confirm the details for your specific properties.
Do I need an umbrella policy if I don't have a lot of assets?
It's worth considering regardless — a serious liability judgment can exceed your assets and follow you through future income. Umbrella coverage is inexpensive relative to that risk.
Ready to add a layer of protection?
Tell us what policies you already hold and we'll see what umbrella coverage costs.