Q1: Who should consider umbrella insurance?

Anyone with significant assets, savings, or risk exposure (like frequent drivers, landlords, or dog owners) can benefit from extra liability protection.

Q2: How much coverage does an umbrella policy provide?

Most start at $1 million in additional coverage, with higher limits available depending on your needs.

Q3: Does umbrella insurance cover my business?

No—personal umbrella policies are for individual/family use. If you need business liability coverage, we offer that too.

Q4: Is umbrella insurance expensive?

Not at all. For the amount of coverage it provides, umbrella insurance is one of the most cost-effective types of protection available.

Q5: Do I need to bundle with other policies?

Yes, you typically need to have underlying auto or home policies with minimum coverage limits in place for umbrella coverage to apply.

Q6: What types of claims are not covered?

Intentional acts, business activities, and liability related to certain vehicles (like off-road ATVs) are usually excluded. We’ll walk you through the fine print.

Personal Umbrella Insurance in Texas

Extra protection for life’s unexpected moments.

Coverage That Goes Beyond the Basics

Accidents happen—and sometimes, the costs go beyond what your auto or homeowners policy can handle. That’s where personal umbrella insurance steps in. At Stieber Insurance Group, we offer added liability coverage that protects your savings, your assets, and your peace of mind when life takes an unexpected turn.

Let’s get you covered with a free umbrella insurance quote.

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What Does Personal Umbrella Insurance Cover?

Umbrella insurance provides extra liability coverage that kicks in when your standard policies reach their limits.

Excess Liability Protection

Covers costs beyond your auto, home, or renters policy limits, including legal defense, medical bills, and property damage claims.

Personal Injury Coverage

Includes protection for claims like slander, libel, defamation, and other personal liability risks not always covered in base policies.

Coverage Across Policies

Umbrella coverage applies to multiple underlying policies—auto, homeowners, boat, and more—offering centralized protection.

Worldwide Coverage

Whether you’re traveling or living temporarily outside Texas, your umbrella policy can still provide protection, depending on the situation.

Personal Umbrella Insurance FAQs

Q1: Who should consider umbrella insurance?

Anyone with significant assets, savings, or risk exposure (like frequent drivers, landlords, or dog owners) can benefit from extra liability protection.
Q2: How much coverage does an umbrella policy provide?

Most start at $1 million in additional coverage, with higher limits available depending on your needs.
Q3: Does umbrella insurance cover my business?

No—personal umbrella policies are for individual/family use. If you need business liability coverage, we offer that too.
Q4: Is umbrella insurance expensive?

Not at all. For the amount of coverage it provides, umbrella insurance is one of the most cost-effective types of protection available.
Q5: Do I need to bundle with other policies?

Yes, you typically need to have underlying auto or home policies with minimum coverage limits in place for umbrella coverage to apply.
Q6: What types of claims are not covered?

Intentional acts, business activities, and liability related to certain vehicles (like off-road ATVs) are usually excluded. We’ll walk you through the fine print.

Expand Your Coverage, Protect Your Future

Your financial future is worth more than a policy limit. With Stieber Insurance Group, you can extend your protection—and your peace of mind—with one simple step.

Get a Free Quote for Umbrella Insurance Today

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