Coverage That Kicks In When You Need It

Extra liability protection, simplified for Texas families.

More Protection, Less Worry

Standard policies have limits. If a major accident, injury, or lawsuit pushes past your home or auto coverage, an umbrella policy is what picks up the slack. We help clients in East Bernard, Rosenberg, Wharton & beyond add affordable, high-limit coverage for life’s unexpected moments.


Umbrella insurance isn’t just for the wealthy—it’s for anyone who wants peace of mind. From dog bites to teenage drivers, we’ll explain how it works, when it applies, and what makes sense for your situation. No fear tactics. Just clear information and real options.

Why Locals Choose Us for Umbrella Coverage

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We Make It Understandable

We explain exactly how umbrella insurance works—no jargon, no scare tactics.

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We Customize It to You

Your home, your vehicles, your lifestyle—we help you set limits that make sense.

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We're Here if You Ever Need It

When things go sideways, we help you navigate the claim—not just the coverage.

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We Keep Everything Connected

We coordinate your umbrella with your other policies, so everything works together without gaps.

What Umbrella Insurance Can Help Cover

Lawsuits & Legal Fees

Helps cover repairs if your RV or toy is damaged in an accident.


Injuries to Others

Covers medical expenses if you're found liable for injury beyond your policy limits.


Property Damage

Covers damage to someone else’s property that exceeds your base policy limits.

Personal Liability Claims

Covers situations like libel, slander, or false arrest—often excluded from basic policies.


Auto-Related Incidents

Adds extended protection if you're at fault in a serious car accident with high damages.

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Big Questions—Clear Answers

Umbrella Insurance FAQs

  • What is umbrella insurance, exactly?

    Umbrella insurance is extra liability coverage that kicks in when the limits on your home, auto, or other policies are exhausted. It’s designed to help cover large claims—like lawsuits or serious accidents—that could otherwise put your assets at risk. It doesn’t replace your base policy, it extends it.

  • Who needs umbrella insurance?

    Anyone who owns a home, drives regularly, or has assets to protect should at least consider it. It’s especially smart if you have teenage drivers, a dog, a pool, or rental property. We’ll help you decide if it’s worth it based on your life—not just a checklist.

  • How much does umbrella insurance cost?

    Umbrella policies are surprisingly affordable—often $150 to $300 per year for $1 million in coverage. The cost depends on how much coverage you want and your risk profile. We’ll give you clear numbers so you can decide if it’s a smart investment.

  • Does umbrella insurance cover everything?

    No. It doesn't cover your own injuries, business liability, or damage to your own property. It also doesn’t cover intentional harm. But it does add a big layer of protection over personal liability risks—and we’ll help you understand exactly where it applies.

  • Can I get umbrella insurance if my auto or home isn’t with you?

    Maybe—but umbrella insurers usually require you to carry certain limits on your base policies. If you’re not sure where you stand, we’ll check what you have and show you the options. It’s often easier—and more cost-effective—to bundle with us.

Ready to Add an Extra Layer?

Let’s make it easy. Whether you’re shopping around or just wondering what umbrella coverage could do for you, we’ll help you weigh the options. Fill out the quick form and we’ll follow up—no pressure, just the info you need to decide what’s best for you.

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