Umbrella insurance in Fort Worth
An umbrella policy adds liability coverage above the limits on your home and auto policies. It pays when a judgment is bigger than those limits.
The usual size of one umbrella layer
$1M
Umbrella policies are commonly sold in layers of one million dollars, on top of the liability limits you already carry.
How does an umbrella pay?
| Step | Who pays | Amount |
|---|---|---|
| A wreck is your fault | The injuries total | $450,000 |
| Your auto policy pays first | Auto liability, $300,000 per accident | $300,000 |
| The umbrella pays what is left | One $1,000,000 layer | $150,000 |
| Without an umbrella | You pay what is left | $150,000 |
An illustration with round numbers. It is not a quote, and an actual policy has conditions.
Who buys an umbrella?
People with something to lose in a lawsuit: equity in a house, savings, or wages that could be garnished. It is also common for households with a teenage driver, a pool or a rental property.
Most carriers want higher liability limits on the home and auto policies underneath before they will write an umbrella. We check those limits first and price the change with the umbrella.
An umbrella is liability coverage only. It pays other people. It does not repair your own house or your own car, and it has nothing to do with your deductible.
One thing to do this week
Find the liability limits on your auto and home policies. They are on the first page. Call (817) 555-0172 and we will tell you what an umbrella would sit on top of.
What else does Sideoats write?
We are an independent agency, so your policy can be placed with the carrier that fits and checked against the others at renewal.
Home
Hail, wind, fire and theft, with the deductible worked out in dollars before you sign.
Auto
The Texas minimum is 30/60/25. We show you what the next step up covers.
Renters
Your landlord's policy covers the building. This one covers what is inside it.
Flood
Home policies do not cover flooding, and most flood policies take 30 days to start.
Business
General liability, commercial auto and property for shops, trades and offices.
Umbrella
You are on this page.
Umbrella insurance, answered
What does an umbrella policy cover?
Liability above the limits of your home and auto policies: injuries to other people, damage to their property, and the legal costs that come with a claim.
Does a personal umbrella cover my business?
No. A personal umbrella does not cover business activities. A business needs its own liability coverage. See business insurance.
How much umbrella coverage do I need?
Enough to cover what a judgment could take: home equity, savings and future wages. Most households start with one layer.
Do I need to change my auto policy to get one?
Often, yes. Carriers usually ask for higher liability limits underneath. We price both together so you see one number.
Have us read your policy
Send four details and an agent calls back the same business day. Bring your current policy to the call and we will find the deductible together.
Monday to Friday, 8:30 AM to 5:30 PM Central. Magnolia Avenue, Near Southside, Fort Worth.