Texas Umbrella Insurance Coverage

Umbrella Insurance

Obtaining Umbrella Insurance

Umbrella insurance is an additional protection that you can obtain for your auto or homeowners insurance policy. Umbrella insurance will protect you in the event if another party tries to file a lawsuit against you. If you lose the lawsuit, you will be held responsible for all payments. They will look at all of your assets as well as future earnings and may even garnish your wages if they need to. Having an umbrella insurance policy will protect all the above. Why not take advantage of a policy that can protect you way above what your current policies can? You should consider us here at Rebecca Harding Agency in Texas to assist you with an umbrella insurance policy.

Laws & Coverage

While umbrella insurance is not a legal requirement in Texas, it is important to know some guidelines they do require if you decide to obtain it. For example, if you currently have an auto insurance that consists of $500,000 of auto liability protection, a $1 million umbrella policy will be the most beneficial for you.

While umbrella insurance cannot halt a rainstorm it can protect you from getting submerged in water. It pretty much just expands whatever coverage you currently have.

You may consider taking advantage of the following:

  • Coverage that has higher limits
  • Additional insurance types
  • Legal protection

Keep in mind that an umbrella insurance policy may provide additional protection for other things such as false arrest, slander, and even invasion of privacy. These are things that are not covered in your auto and homeowner's insurance policy. If you are someone who owns a home and has a ton of valuable vehicles and other property, umbrella insurance is for you. It is also good to protect savings and retirement accounts.

Visit Us

Give us a call or visit our Rebecca Harding Agency website for a quote today on an umbrella insurance policy. We serve Texas residents only.