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Umbrella Insurance

What is Umbrella Insurance?

Umbrella insurance provides additional liability coverage beyond the limits of your existing policies, such as home, auto, or rental property insurance. If you’re found liable for damages, your primary insurance pays up to its limit, and your umbrella policy covers the remaining amount—giving you broader financial protection and peace of mind.

What Does Umbrella Insurance Cover?

Typical umbrella insurance coverage includes:

  • Legal Fees & Settlements – Covers lawsuit and liability costs.
  • Injuries to Others on Your Property – Covers medical and legal expenses.
  • Property Damage You Cause – Extends coverage beyond base limits.
  • Libel, Slander, Defamation – Protects reputation and finances.
  • Non-Standard Incidents – Broader protection for unexpected events.

This extra layer of coverage ensures your assets and future income are protected.

Why Umbrella Insurance Matters in Texas

Life is unpredictable—and sometimes, standard insurance isn’t enough. Umbrella insurance adds an extra layer of liability protection that kicks in when your home, auto, or rental property coverage runs out. Whether you’re facing a lawsuit, property damage claim, or personal liability issue, umbrella coverage helps safeguard your financial future.

Local Expertise You Can Trust

At MCN Multiservices, we proudly serve families and property owners across Texas. We understand the unique liability risks Texans face—from busy highways to rental property ownership—and we tailor umbrella insurance policies to fit your lifestyle and financial goals.

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What Makes Our Umbrella Insurance Different?

Texas-Specific Expertise

We know liability laws and coverage limits required in Texas.

Multi-Asset Protection

Coverage extends to homes, vehicles, rental properties, and more.

Affordable Premiums

Get your coverage at a budget-friendly rate.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care

Umbrella Insurance Tips for Texas Residents

  • Bundle Policies – Combine umbrella with auto, home, or rental insurance for discounts.
  • Review Your Net Worth – Your coverage should match your assets and income.
  • Check Eligibility – Ensure your base policies meet minimum liability limits.
  • Consider High-Risk Scenarios – Own a pool, rental property, or host frequent guests? Umbrella insurance is a smart move.

Ready to Get Covered?

Protect your future with confidence. Contact MCN Multiservices today for a free umbrella insurance quote in Texas. Our licensed agents will help you compare policies, understand coverage limits, and get insured fast.

Frequently Asked Questions

Why do I need umbrella insurance if I already have homeowners insurance?

While homeowners insurance includes liability coverage, it may not be enough for serious accidents or lawsuits. Umbrella insurance vs homeowners insurance provides additional protection, often starting at $1 million, to safeguard your assets, future income, and peace of mind with extra insurance coverage.

Yes. Umbrella insurance for home and auto extends liability coverage for both policies and can also apply to rental properties, boats, and other personal assets. It activates when your primary policy limits are exhausted, ensuring multi-policy liability coverage.

Most policies start at $1 million in coverage, with higher limits available. The right amount depends on your net worth, income, and risk exposure. A licensed agent can help calculate umbrella policy limits to ensure adequate liability insurance coverage.

Umbrella insurance is surprisingly affordable. A $1 million policy typically costs $150–$300 per year, depending on your location, risk profile, and assets insured. This makes it affordable liability insurance and a cost-effective personal umbrella policy.

No. Umbrella insurance exclusions mean it does not cover physical damage to your home or belongings. For flood or property damage, you need homeowners or flood insurance.

Yes. Umbrella insurance for renters extends liability coverage beyond a renters insurance policy. It’s ideal for tenants with significant assets or high liability risks, providing tenant liabilit y coverage.

Most insurers require minimum liability limits on your home and auto policies (e.g., $300,000 for homeowners, $250,000/$500,000 for auto). Maintaining these limits qualifies you for umbrella insurance eligibility.

If a claim exceeds your primary policy’s limits:

  • 1- File the claim with your homeowners or auto insurer.
  • 2- Once primary limits are exhausted, your umbrella policy takes over.
  • 3- The umbrella insurer handles the remaining liability, legal fees, or settlements.

This is the standard umbrella insurance claim process for filing liability insurance claims.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.