Personal Umbrella Insurance in Houston, TX
Standard home and auto policies pay only up to their stated limits. If a liability claim goes beyond those limits and you are found responsible, you may need to cover the remaining costs. Advisor Insurance Group, LLC offers personal umbrella insurance that can add liability coverage beyond your existing policies and limit out-of-pocket costs arising from larger claims.
Who Should Consider This Policy?
A personal umbrella insurance policy may be helpful for: 
- Property owners and vehicle owners
- Families with young or inexperienced drivers
- Individuals with high income or savings
- Those who own boats, RVs or frequently host gatherings
What Benefits Does It Offer?
This type of policy may provide several key advantages, including:
- Broader coverage features: Coverage may apply to situations that are not usually included in standard policies, such as certain libel, slander or rental property claims.
- Higher liability limits: This coverage may help pay outstanding costs related to injuries or property damage when you are held responsible for third-party losses that exceed the capabilities of other policies.
- Help with legal defense costs: Your policy may help cover attorney fees, court costs and related legal bills when a lawsuit exceeds your underlying policy limits.
How Much Coverage Do You Need?
Coverage needs can differ depending on your lifestyle and finances. Consider factors such as:
- Total value of your assets, including savings, property and investments
- Business ownership or activities that could increase liability exposure
- Teenage or inexperienced drivers in your household
- Risks tied to owning a pool, rental property or recreational vehicles
An agent can review your existing policies and help identify a suitable coverage amount.
Get Started With Extra Liability Coverage
We help clients in Houston, TX secure coverage that fits their budget and needs. Contact Advisor Insurance Group, LLC today for a free quote and to discuss your options.