Umbrella Insurance in Texas

Extra Protection When the Unexpected Happens

n umbrella policy gives you additional liability coverage beyond the limits of your home, auto, or boat policies. It’s an affordable way to protect your assets in case of a major lawsuit or accident.

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What Umbrella Insurance Covers:

Our Houston-area clients often choose:

Lawsuits Exceeding Your Home Or Auto Policy Limits

Provides an extra layer of protection if you're sued for damages that exceed the limits of your homeowners or auto insurance.

Legal Defense Fees

Helps cover attorney fees and court costs, even if you're not found liable.

Injury Or Property Damage Liability

Offers coverage if you're held responsible for someone’s injury or property damage—whether at home or elsewhere.

Personal Liability, Including Libel/Slander

Extends to personal liability situations like libel, slander, or defamation claims that could lead to costly legal action.

Umbrella Insurance FAQs

  • Who needs umbrella insurance?

    Anyone with assets to protect. Especially important for homeowners, landlords, business owners, and families with teen drivers.

  • How much umbrella coverage can I get?

    Yes. We offer policies through the National Flood Insurance Program (NFIP) and private market options.

  • Does umbrella insurance cover my business?

    No. It’s for personal liability. Ask us about commercial umbrella policies for your business needs.

  • Is it expensive?

    No. Most policies cost less than $300/year for $1M of coverage.

Extra Coverage, Extra Peace of Mind

At DeShazo Insurance, we help you safeguard your assets beyond your standard policies. With umbrella insurance, you gain added protection and confidence when life takes an unexpected turn.