Umbrella Insurance

What is umbrella insurance?

Umbrella insurance is a kind of additional coverage that can help you cover more costs than your usual policy. It may cover claims not covered by any of your other plans or fill in the gaps in coverage. Umbrella insurance may also help you avoid being sued for more than your basic insurance coverage would cover.

Why do I need umbrella insurance?

Umbrella insurance can help defend your assets if you are sued for damages exceeding your standard insurance policy limits. Umbrella insurance can also cover claims that other policies would exclude.

For example, if you're charged with libel or slander, your standard insurance policy may not cover the expenses. Umbrella insurance can help to fill in the gaps in coverage and protect you from being sued for more than what your standard insurance would cover.

How much umbrella insurance do I need?

The amount of umbrella insurance you need will depend on your circumstances. You will need to consider the limits of your standard insurance policies, the value of your assets, and your risk exposure. You should speak with your insurance agent or broker to determine how much umbrella insurance you need.

What are the Texas state requirements for umbrella insurance?

In Texas, there is no specific requirement for umbrella insurance. However, it is always good to speak with your insurance agent or broker to determine if umbrella insurance is right for you and how much coverage you should consider.

If you're looking for umbrella insurance in Texas, Ware Insurance can help. We'll work with you to determine how much coverage you need and find the best policy. Contact us today to get started.