Personal Umbrella Insurance in Texas

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An Extra Layer of Protection for Your Family

Accidents can happen anytime — and sometimes the damages go far beyond the limits of your home or auto insurance. Personal Umbrella Insurance adds an extra layer of liability protection, covering you when standard policies run out. In today’s world of lawsuits and rising costs, umbrella coverage helps safeguard your assets, income, and future.

What Personal Umbrella Insurance Covers

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Excess Liability Coverage

Extends your auto and home liability coverage, protecting against large claims or lawsuits.

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Legal Defense Costs

Pays attorney fees and court costs if you’re sued, even if the lawsuit is unfounded.

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Property Damage & Injuries

Covers damages or injuries caused by you, a family member, or even your pet, once your base policy limits are exhausted.

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Worldwide Coverage

Protection that follows you anywhere — even outside Texas and the U.S.

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Libel & Slander Claims

Many umbrella policies cover personal injury claims like defamation, which standard home or auto policies may exclude.

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Why Choose DFG Insurance Solutions

Umbrella policies aren’t one-size-fits-all. At DFG Insurance Solutions, we:

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Tailor umbrella limits to match your assets and lifestyle.

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Work with multiple top-rated carriers for competitive pricing.

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Explain how umbrella integrates with your home and auto policies.

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Provide straightforward guidance, without confusing fine print.

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Stay accessible — you’ll always reach Dee and her team, not a call center.

Let’s Clear the Confusion

Common Questions About Personal Umbrella Insurance

  • Who needs a personal umbrella policy?

    Anyone with a home, vehicles, or assets they want to protect can benefit. It’s especially valuable if you own property, have teen drivers, or host gatherings at your home.

  • How much coverage should I carry?

    Umbrella policies typically start at $1 million and go up in increments. The right amount depends on your assets and risk exposure — we’ll help you calculate what’s best.

  • Does umbrella insurance cover business activities?

    No. Personal umbrella covers personal liability only. For business protection, you’ll need a Commercial Umbrella policy.

  • Is umbrella insurance expensive in Texas?

    Not at all. Most policies are surprisingly affordable for the amount of coverage they provide — often just a few hundred dollars a year.

  • Does umbrella coverage apply worldwide?

    Yes, most policies extend worldwide, offering peace of mind when you travel.

Secure Extra Peace of Mind

Don’t let a lawsuit threaten your family’s future. With DFG Insurance Solutions, you’ll get an umbrella policy that extends your protection when you need it most.

Request Your Quote Today

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