August 10, 2026 · HLG Insurance of Texas
Most auto and home insurance policies come with a liability limit — the maximum your insurer will pay if you’re found responsible for someone else’s injury or property damage. A serious accident or lawsuit can exceed that limit fast, leaving you to cover the rest out of pocket.
That’s where umbrella insurance comes in.
What Umbrella Insurance Covers
An umbrella policy sits on top of your existing auto, home, or renters insurance and adds extra liability protection once those policies’ limits are used up. It can also cover some claims your underlying policies don’t, like certain lawsuits for libel or slander.
Who Should Consider It
Umbrella coverage is worth a look if you:
- Own a home or other property
- Have savings, investments, or other assets worth protecting
- Frequently host guests or events
- Own a boat, RV, or other recreational vehicle
Get a Quote
HLG Insurance of Texas offers umbrella insurance alongside auto, RV, motorcycle, SR-22, and boat coverage. Get a quote or contact us to see what fits your situation.