One lawsuit could cost you everything you've built.
An umbrella policy adds an extra layer of liability protection on top of your home and auto coverage for a few hundred dollars a year. BenefitExcel helps you get the right amount for your specific situation.
$1M+
$200
1997
A safety net above everything else you own.
It is one of the most cost-effective forms of insurance available and one of the most overlooked. A $1 million umbrella policy typically costs about $200 per year for $1M of coverage (roughly $17 a month).
Real example: A serious car accident results in $650,000 in medical bills. Your auto liability limit is $300,000. Without an umbrella, you are personally responsible for the remaining $350,000 including your savings, your home, and your retirement.
3
Umbrella Policy
Kicks in last
2
Auto Insurance
Exhausted first
1
Home Insurance
Exhausted first
Protection that goes where your other policies stop.
Umbrella coverage extends your liability protection across many situations some of which your home and auto policies do not cover at all.
Serious Auto Accidents
Injuries on Your Property
Libel and Slander Claims
Umbrella policies often cover personal liability claims like libel, slander, defamation, and false arrest. That is coverage your home and auto policies typically exclude.
Landlord Liability
Worldwide Coverage
Most umbrella policies provide liability coverage worldwide protecting you from lawsuits that arise while traveling abroad, not just within the United States.
Legal Defense Costs
When umbrella coverage saves everything.
These are the situations where a $300,000 liability limit the standard on most home and auto policies is simply not enough.
01
The Multi-Car Accident
You run a red light and hit two vehicles. Three people are seriously injured. Medical bills total $820,000. Your auto policy pays $300,000. You are personally liable for the remaining $520,000.
02
The Pool Accident
03
The Dog Bite
04
The Teen Driver
Start with your net worth. Work up from there.
$200
You must own a home
You must own a vehicle
Teen drivers increase your risk
Pools, trampolines, and dogs
Rental properties require more
Umbrella insurance questions answered plainly.
Most people have never bought umbrella insurance before. Here are the questions we hear most often answered directly and without jargon.
Do I really need flood insurance in Texas?
Likely yes. Standard home and renters policies exclude flood, and much of the Coastal Bend floods even outside mapped high-risk zones. We’ll tell you straight whether you need it.
Can you bundle my home and auto?
Yes. Bundling often lowers your total premium, and because we’re independent we can bundle across whichever carriers price you best.
Will switching agencies raise my rates?
No. Switching to us doesn’t change your rate by itself. We shop multiple carriers to find you a better one, and there’s no fee to compare.
How much coverage do I actually need?
Enough to rebuild your home, replace your belongings, and protect your assets from a lawsuit. We’ll walk through it with you in plain English.
What happens if I have a claim?
You call us first. We help you through the process and advocate for you with the carrier.