Personal umbrella · Homes · Cars · Boats · Texas
Personal Umbrella Insurance in Texas
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that quotes personal umbrella insurance for Hill Country homeowners and business owners. We line up the home, auto, boat and rental policies underneath so the umbrella actually responds, and keep it separate from your business's commercial umbrella.
Text 830-305-4080 with the declarations pages for your home, cars and boat.
What a personal umbrella covers
A personal umbrella in Texas adds liability coverage above your home and auto policies, usually $1 million or more. The Texas Department of Insurance says it can pay medical bills, lost wages, car repairs and lawsuit costs when you're at fault and your home or auto limits run out, such as a dog bite or serious crash.
TDI's example: if your dog bites your neighbor, your home insurance might not pay for the injuries, or might not pay enough, and your neighbor could sue you for the rest. That gap is what an umbrella is for.
What it usually doesn't cover
Damage to your own property, your business activities (that's the business's commercial umbrella), and anything the form excludes. Forms vary, so read the exclusions or have us walk you through them.
Why your home and auto limits have to line up
An umbrella pays only after your home, auto or boat policy pays its full limit, so the insurer sets minimum liability limits you must carry underneath. The Texas auto minimum of 30/60/25 is usually too low to qualify. If the underlying limit is short, you could owe the gap yourself.
Required underlying limits differ by company, so we check them on every quote. See auto insurance in Texas and Canyon Lake home insurance.
How much umbrella insurance do I need?
There's no Texas rule for how much umbrella to buy. Start at $1 million, the usual minimum per the Texas Department of Insurance, and go higher if your household has teen drivers, a boat or jet ski, a pool, a lake house, rental property, or business ownership that makes you a lawsuit target.
- Teen drivers or several drivers in the house
- A boat or personal watercraft
- A pool or trampoline
- Guests at a lake house
- A rental house
- Dogs
- A public profile or board seats
- Owning a business
Business umbrella vs personal umbrella
A commercial umbrella covers your business's liability above its general liability, commercial auto and employer's liability. Your home, family cars, boat and personal activities need a personal umbrella above your personal policies. Most business owners need both, written so the two don't leave a gap between them.
For the business side, see the Commercial Umbrella card on our coverage page or our commercial insurance page, and ask us about it.
Boats, jet skis, and lake houses
An umbrella usually requires the boat's liability to be listed on an underlying boat policy that meets its limits. See boat insurance for Canyon Lake. A lake house or second home needs its own liability underneath too.
Rental houses and umbrellas
If you rent a house to a long-term tenant, it needs dwelling or landlord liability underneath, and you should ask whether your umbrella extends to rental units. Nightly rentals: ask us first.
Does an umbrella cover uninsured motorist?
Some personal umbrellas offer uninsured/underinsured motorist coverage and many don't. Ask before you assume it's there, and keep UM on your auto policy either way. See the uninsured motorist section of our auto insurance page.
What drives umbrella cost
- Number of drivers and their records
- Number of homes, vehicles and watercraft
- Rental properties
- The limit you choose
- The underlying policies
What to send for an umbrella quote
- Declarations pages for every home, auto, boat and rental policy
- Every household driver
- A summary of your business's insurance, so we can confirm what's personal and what's business
Text it to 830-305-4080.
Umbrella insurance FAQ
What does umbrella insurance cover in Texas?
A personal umbrella in Texas adds liability coverage above your home and auto policies, usually $1 million or more. The Texas Department of Insurance says it can pay medical bills, lost wages, car repairs and lawsuit costs when you're at fault and your home or auto limits run out, such as a dog bite or serious crash.
How much umbrella insurance do I need?
There's no Texas rule for how much umbrella to buy. Start at $1 million, the usual minimum per the Texas Department of Insurance, and go higher if your household has teen drivers, a boat or jet ski, a pool, a lake house, rental property, or business ownership that makes you a lawsuit target.
Does my business umbrella cover my house and cars?
No. A commercial umbrella covers your business's liability above its general liability, commercial auto and employer's liability. Your home, family cars, boat and personal activities need a personal umbrella above your personal policies. Most business owners need both, written so the two don't leave a gap between them.
Do I need certain auto and home limits to buy an umbrella?
An umbrella pays only after your home, auto or boat policy pays its full limit, so the insurer sets minimum liability limits you must carry underneath. The Texas auto minimum of 30/60/25 is usually too low to qualify. If the underlying limit is short, you could owe the gap yourself.
Does umbrella insurance cover my boat?
Usually only if the boat's liability is on an underlying boat policy that meets the umbrella's required limits. A homeowners policy generally doesn't provide boat liability, so the boat needs its own policy. Check with us before launch day so the boat policy and the umbrella line up.
Does umbrella insurance cover rental property?
Long-term rental houses often can be included if each one has landlord or dwelling liability coverage underneath that meets the umbrella's requirements. It depends on the umbrella's terms and how many units you own, so ask before you assume a rental is covered. Tell us about every property you own.
Does umbrella insurance cover uninsured motorist?
Some personal umbrellas offer uninsured/underinsured motorist coverage and many don't. It depends on the company and the form, so ask before you count on it. Either way, keep uninsured motorist coverage on your auto policy, because that's what pays first when an uninsured driver hits you.
How much does umbrella insurance cost in Texas?
It depends on your household. The main factors are the number of drivers and their records, how many homes, vehicles and boats you own, any rental properties, the limit you choose, and the underlying policies. Send us your declarations pages and we'll quote it instead of guessing at an average.
Who sells umbrella insurance near Canyon Lake?
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that quotes personal umbrella insurance for Hill Country homeowners and business owners. We line up the home, auto, boat and rental policies underneath so the umbrella actually responds, and keep it separate from your business's commercial umbrella.
Get a quote
Text 830-305-4080 with your home, auto, boat and rental declarations pages, or request a quote online. Allen follows up personally. A quote request is not a bind.
Allen Jones Insurance Agency · PO Box 1927, Canyon Lake, TX 78133 · ajones@
Licensed in Texas, Florida, Arizona and New Mexico. Coverage is subject to underwriting. General information, not legal advice.