Personal Umbrella Insurance in Lubbock, TX
Your auto and homeowners insurance policies carry liability limits, and those limits can be exhausted faster than expected in a serious accident or lawsuit.
Personal umbrella insurance picks up where those underlying policies leave off, extending your liability coverage across multiple policies under a single broader layer. It covers bodily injury, property damage and certain personal liability claims that standard policies may exclude, such as libel, slander or false arrest. 
What Personal Umbrella Insurance Covers
Umbrella coverage applies broadly across your liability exposures, including:
- Property liability—May help cover injuries to others on your property that exceed your homeowners liability limits
- Auto liability—May help cover costs that exceed your auto policy limits after an accident
- Legal defense costs—May help cover the cost of defending covered claims, even ones you ultimately win
- Personal injury claims—May help cover claims such as defamation or invasion of privacy
- Rental property liability—May help cover claims arising from incidents at rental properties you own
Who Benefits From an Umbrella Policy?
Umbrella policies are well suited for homeowners, landlords, drivers, parents of teen drivers and anyone who owns property or regularly hosts guests. Your liability exposure often grows alongside your assets, and an umbrella policy scales to reflect that exposure as your financial picture changes over time.
How Coverage Limits Work
Umbrella policies offer coverage in increments above your underlying policy limits. To qualify, insurers typically require you to carry minimum liability limits on your auto and homeowners policies before the umbrella takes effect. Reviewing those requirements across your policies helps you confirm they align before the umbrella is in place.
Get Coverage That Fits Your Exposure
Liability judgments can be unpredictable, and standard policy limits may not reflect your full exposure. Contact Alan Henry Insurance Agency to review your current coverage and explore umbrella options sized for your situation.