Umbrella Insurance in Texas
Extended liability protection beyond your standard policies. Umbrella insurance provides an extra layer of security for Temple, Corpus Christi, and Texas families with assets to protect.
What Is Umbrella Insurance?
Umbrella insurance provides additional liability coverage beyond the limits of your auto, home, and boat insurance policies. It kicks in when your primary policy limits are exhausted.
How It Works
You're in a serious car accident
Damages exceed your auto policy's $300,000 liability limit
Your auto insurance pays its limit
$300,000 is paid, but the lawsuit is for $750,000
Umbrella insurance covers the rest
Your $1 million umbrella policy pays the remaining $450,000
What Texas Umbrella Insurance Covers
Auto Accidents
Extended coverage for serious car accidents where damages exceed your auto policy limits.
Home Liability
Protection when someone is injured on your property and sues beyond your homeowners limits.
Watercraft Liability
Additional coverage for boating accidents on Texas lakes and the Gulf of Mexico.
Rental Property
Extended liability for landlords in Temple, Corpus Christi, and across Texas.
Defamation Claims
Coverage for libel, slander, and defamation lawsuits—even social media incidents.
Legal Defense Costs
Pays for attorneys, court costs, and legal fees even for frivolous lawsuits.
Who Needs Umbrella Insurance in Texas?
Homeowners with Assets
If you have savings, investments, or property worth protecting, umbrella insurance shields them from lawsuits.
Parents of Teen Drivers
Young drivers have higher accident rates. Umbrella coverage protects your family's assets.
Pool or Trampoline Owners
Attractive nuisances increase liability risk. Extra coverage is essential protection.
Landlords
Rental property owners in Bell and Nueces counties need extended liability protection.
Business Owners
Personal umbrella insurance protects assets separate from your business insurance.
Boat or RV Owners
Recreational vehicles increase your exposure to liability claims.
Frequent Entertainers
If you host guests often, you have increased risk of someone being injured on your property.
High-Income Earners
Higher incomes mean you're a bigger target for lawsuits seeking larger settlements.
Surprisingly Affordable Protection
Umbrella insurance is one of the best values in the insurance industry. A $1 million policy typically costs just $150-300 per year—about $15-25/month.
$1M
~$150-300/year
$2M
~$225-400/year
$5M
~$350-600/year
Local Texas Umbrella Insurance Experts
Temple, TX Office
Protecting Bell County families with comprehensive umbrella coverage. Our Temple agents help you determine the right amount of liability protection based on your assets and risk profile.
Corpus Christi, TX Office
Nueces County's trusted umbrella insurance provider. With waterfront property and boating common in Corpus Christi, extended liability protection is especially important.
Protect Your Assets with Umbrella Insurance
Get a free umbrella insurance quote from Maxwell Insurance Agency. We'll review your current coverage and recommend the right umbrella limits for your Temple, Corpus Christi, or Texas family.
Call (254) 294-3311