Insuring Families and Businesses in Dallas for over 20 years

Why do I Need Umbrella Insurance

Why Would I Need Dallas Umbrella Insurance?

Let’s face it, lawsuits are quite common today. If you accidentally injure someone or damage their property you could be sued!

And more and more juries are awarding large verdicts, so while your home owners, property, and auto policies, may provide substantial liability limits; Juries could award subs that exceeded those limits, that’s where Umbrella Insurance comes in. 

A personal Umbrella Policy provides an extra layer of coverage on top of your existing policies.

Your Auto Insurnace only pays out $500,000  

Imagine that you are involved in an auto accident, your Auto Insurance has a limit of $500,000 for bodily injury and property damage per accident, unfortunately you are found to be at fault for the accident, and the other driver decides to sue you. The suit is settled for 1 million dollars, and you’re reliable to pay. 

In this example your auto insurance will pay the first $500,000 as per the limits of your policy, well what about the remaining $500,000, how would you come up with the money to pay for that?

Thankfully if you have a $1 million personal Umbrella Insurance policy in place, the insurance will pay the remaining $500,000. So this is why an Umbrella policy can be so important, it helps to protect your income and assets against lawsuits by providing liability coverage in excess of your existing policies.


Additional Insurance Coverage where you need it the most    

So for example, if someone slipped and fell in your driveway and wanted to sue you, or your dog gets loose and bits the neighbor’s child, the same Umbrella Policy would kick in on top of your Homeowners Policy. 

If you are responsible for damages caused by an accident while on your boat or while operating your RV, again this Umbrella Policy would provide additional coverage.

Besides providing increased liability limits, an Personal Umbrella Policy also provides coverage if you were sued for libel, slander, or defamation of character, and would even help to pay for defense cost, which could save you thousands in legal fees. 



Extra protection can be very inexpensive      

And one of the most attractive features Umbrella Insurance is that it can be very inexpensive, to give you an idea a $1 million could cost around $20 a month. 

Protecting what you’ve worked so hard for with an umbrella policy can be a very smart decision, because you don’t need to be a millionaire to be sued like one. 

Call us today to put a plan in place to protect you and your assets (972) 991-9100. Or visit us at 


12770 Coit Road Suite 110 Dallas, TX 75251 | Phone: (972) 991-9100 | Fax: (972) 690-1733 
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Located in Dallas, TX . We also serve the Carrollton , Farmers Branch, Garland, Plano, and Richardson areas. 
 Licensed in Texas