Homeowners Building Wealth
Savings, retirement accounts and home equity worth protecting from a large judgment.
Umbrella Insurance in San Antonio
Extra liability coverage that sits above your home, auto and rental property policies, usually sold in $1 million layers.
Who It's For
Families With Teen Drivers
Young drivers raise the odds of a serious accident.
Owners of a Few Rentals
Rentals held in your own name, coordinated with your landlord policies.
Homes With Pools or Dogs
Exposures that can lead to injury claims at your home.
What It Covers
Excess Liability
Pays above your home and auto liability limits once those are used up.
Rental Property Liability
Can extend over landlord liability on rentals you own personally, depending on the insurance company.
Legal Defense
Defense costs for covered claims.
Broader Claims
Some umbrellas cover claims such as libel and slander that base policies do not, after a retained amount you pay.
Texas and San Antonio Details
An umbrella requires minimum liability limits on your home and auto policies. If those limits are too low, you can end up paying the gap yourself, so we line them up when we quote.
Rentals held in an LLC usually need a commercial umbrella instead of a personal one.
A serious auto accident can bring a judgment larger than a typical auto limit. An umbrella adds a layer above those limits for that kind of claim.
Common Questions
How Much Umbrella Coverage Do I Need?
Many people start with $1 million and add more as their savings or rental properties grow.
Do My Home and Auto Need to Be With the Same Company?
It depends on the umbrella. Some insurance companies require it, and others accept policies written elsewhere if the limits meet their minimums.
Does an Umbrella Cover My Rentals?
A personal umbrella can cover rentals you own personally, depending on the insurance company. Rentals in an LLC usually need a commercial umbrella.
Does It Cover My Business?
No. Business activities need commercial liability coverage and a commercial umbrella.
Does an Umbrella Cover Damage to My Own Property?
No. It covers your liability to others, not your own house or car.
Related Coverage
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