Extra Coverage, Real Protection: A Practical Guide to Umbrella Insurance
Life can be unpredictable and sometimes one accident is all it takes to face a lawsuit that exceeds your auto or home insurance limits. That’s where personal umbrella insurance comes in. It can give you an extra layer of liability protection, so you’re not paying out of pocket for big legal or injury claims.
What Is Umbrella Insurance & What Does It Cover?
Umbrella insurance is extra liability coverage that kicks in when your auto or homeowners insurance reaches its limit. It also covers some personal claims that standard policies don’t, like slander or defamation lawsuits.
Umbrella insurance helps cover serious car accidents that injure others, major injuries on your property (like pool or dog incidents), boating or recreational vehicle accidents, defamation or slander lawsuits, and legal fees tied to covered claims.
It does not cover fire or flood damage to your property, identity theft, professional liability (like mistakes at work), accidents that happened before you bought the policy.
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Umbrella Insurance FAQ
Here are some common questions about umbrella insurance in Texas:
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Need Help Deciding?
Umbrella insurance is affordable (often just a few hundred dollars a year), and can save you from major financial setbacks. At Rollo Insurance, we help Texans find smart, complete coverage. Let’s talk about how umbrella insurance can fit into your overall protection plan.
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