Personal Umbrella Insurance in Texas

Extra Liability Protection for Peace of Mind

Umbrella insurance adds extra liability coverage beyond your home and auto limits. It’s designed for big claims—like a major car accident or serious injury on your property—that could otherwise put your savings or home at risk.

Pool with ladder.

Who Should Consider an Umbrella?

Anyone with assets to protect, teenage drivers, swimming pools, or rental properties should strongly consider umbrella insurance. It’s not just for wealthy households; even middle-income families find it provides essential protection.

Icon of a dollar sign and a plus sign, suggesting adding funds.

How Umbrella Policies Work

If your underlying auto policy covers $300,000 but a judgment totals $1 million, your umbrella would cover the additional $700,000 (with a $1M umbrella limit). Umbrella policies may also cover certain personal injury claims like libel or slander.

Black dollar sign on a white background.

Affordable Broad Coverage

Umbrella policies often cost just a few hundred dollars a year while providing millions in protection. That makes them one of the best values in insurance.

Black line drawing of an umbrella.

Seamless Protection with Ironwood

Ironwood coordinates your auto, home, and umbrella policies so they work together seamlessly, avoiding coverage gaps.

Get an Umbrella Quote

Ironwood can quickly add umbrella coverage to your existing home and auto package.

Frequently Asked Questions About Umbrella Insurance in Texas

  • How much coverage does an umbrella policy provide?

    Typically between $1–5 million.

  • Is umbrella coverage expensive?

    No, it’s usually just a few hundred dollars per year.

  • Do I need to increase my auto or home limits first?

    Yes, most carriers require minimum liability limits before adding umbrella coverage.

  • Does umbrella cover everything?

    No. It adds liability protection but doesn’t cover property damage to your own belongings.