Umbrella Insurance
Big claims and lawsuits can happen when you least expect them. Umbrella insurance gives you an extra layer of liability protection that goes beyond your existing home, auto, or other policies — keeping your savings, income, and future secure.
About Umbrella Insurance
Think of umbrella insurance as your financial safety net. It’s there to protect you when major claims exceed the limits of your primary policies. Whether it’s a serious auto accident where medical bills skyrocket, or a guest injury at your home that turns into a lawsuit, an umbrella policy helps ensure you’re not paying out of pocket for amounts your standard insurance doesn’t cover.
Affordable coverage for big risks
Most people are surprised to learn umbrella insurance is relatively inexpensive — often just a few hundred dollars a year for an extra million in protection. That’s powerful peace of mind.
Coverage that follows you everywhere
Umbrella insurance isn’t tied to just your house or car. It provides worldwide coverage for personal liability situations, so you’re protected whether you’re at home, traveling, or simply out living life.
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Extra Coverage, Extra Peace
A major lawsuit or liability claim could drain your savings, garnish your future wages, and put everything you’ve worked for at risk. Umbrella insurance shields your finances from devastating events — so one accident doesn’t become a lifelong burden.
Protect Your Assets & Future Income
Umbrella policies don’t just safeguard what’s in your bank account. They also protect your future earnings from being seized to pay a judgment.
Covers Legal Defense Costs
Even if a lawsuit is frivolous, you still have to pay to defend yourself. Umbrella insurance covers attorney fees and court costs — often outside your policy limit.
Extends Over Multiple Policies
Your umbrella kicks in after your home, auto, or even boat policy limits are exhausted, offering broad protection across your insurance portfolio.
Our Process
We make it straightforward to layer on the extra protection you need.
01.
Review your current coverages
We’ll look at your existing liability limits across all your policies to spot potential gaps.
02.
Build your personalized umbrella plan
From there, we’ll recommend an umbrella amount that’s right for your situation, lifestyle, and net worth.
03.
Easy approval & policy setup
No stress — we handle all the details to get your umbrella policy in place quickly.
04.
Ongoing guidance as life evolves
As your assets grow or needs change, we’ll help adjust your umbrella to keep you properly covered.
Why Extra Coverage Matters
Not all agents take the time to explain umbrella insurance — or even suggest it. We believe it’s one of the smartest moves you can make.
Tailored Recommendations
We don’t believe in “one-size-fits-all.” We’ll show you how an umbrella fits into your unique protection plan.
Transparent, No-Pressure Advice
This is about protecting your family — not upselling. We’ll break it down clearly so you can decide with confidence.
Local Experts Who Know Texas
From lawsuit trends to how claims get paid out in our state, we have the local experience to make sure you’re covered the right way.
what our clients are saying
We take pride in delivering fast, honest service — and making sure our clients feel confident in their coverage. Here’s what they’ve shared:
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
Umbrella Insurance FAQs
Get answers to common questions we hear every week.
Who really needs umbrella insurance?
Anyone with a home, savings, or future earnings to protect. Even modest assets could be at risk in a large lawsuit.
Does an umbrella policy only cover auto accidents?
No — it also covers things like injuries on your property, dog bites, libel/slander claims, and more, anywhere in the world.
What’s the minimum coverage amount?
Most umbrella policies start at $1 million, but we can tailor higher amounts (up to $10 million) based on your needs.
How does it work with my other insurance?
Umbrella kicks in after your home, auto, or boat liability limits are exhausted — extending your protection.
Is it expensive?
Not at all. Because it’s excess liability, it’s typically very affordable for the amount of protection it provides.
Our Insurance
Services
From your home to your car to your family’s future, we help Texans choose the right protection with fast service and expert guidance.
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Whether it’s your home, car, life, business, or the toys that make it all fun, we make getting covered simple.
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