Umbrella Insurance From a Local, Independent Advisor
A personal umbrella policy provides additional liability coverage, commonly in $1 million increments, that kicks in after the liability limits on your auto, homeowners, renters, boat or motorcycle policy are used up.
Umbrella insurance is often one of the most affordable ways to protect your savings, home equity and future earnings. Trailmark helps Denton County families decide how much coverage makes sense and coordinates it with their other policies.
What Umbrella Insurance Covers
Extra auto liability
Protection above your car insurance limits after a serious accident.
Extra home liability
Protection above your homeowners or renters liability limits.
Boat, RV and motorcycle liability
Extends over your recreational vehicle policies, too.
Legal defense costs
Helps pay attorney fees and court costs for covered claims.
Personal injury claims
Many policies cover claims such as libel, slander and defamation.
Worldwide coverage
Protection that travels with you.
Who Should Consider an Umbrella Policy?
- Homeowners with growing equity or savings
- Families with teen drivers
- Homes with pools, trampolines or dogs
- Landlords and rental property owners
- Boat, RV and motorcycle owners
- Coaches, volunteers and anyone who hosts often
Learn why so many Texas families add an umbrella policy.
Good to Know
- Most umbrella policies require minimum liability limits on your auto and home policies
- Coverage is typically sold in $1 million increments
- Placing auto, home and umbrella with one carrier can simplify claims and lower your cost
Umbrella Insurance FAQs
How much does umbrella insurance cost?
Umbrella coverage is often surprisingly affordable for the amount of protection it provides. The price depends on how many homes, vehicles and drivers you have. We'll quote it alongside your other policies.
How much umbrella coverage do I need?
A common starting point is enough coverage to protect your net worth and future income. Many families choose $1 million; others choose $2 million or more.
Does a personal umbrella policy cover my business?
A personal umbrella generally excludes business activities. Businesses need a commercial umbrella or excess liability policy, which we can also help with.
