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Umbrella Insurance in Texas

Many people across Texas and other states are embracing and learning the relevance of buying umbrella insurance. While there was a common assumption that umbrella insurance is only for the wealthy, people now recognize that the policy is a tool to protect them and their families.

If you live TX and have not yet bought umbrella insurance, AAB Insurance Group LLC can help take you through the entire process and find you a policy that best fits your needs.

What is umbrella insurance?

Personal umbrella insurance is a contract between a policyholder and an insurance company offering an additional layer of protection. Anyone can benefit from the coverage as it covers common accidents and lawsuits that may result in substantial financial losses. So why should you buy umbrella insurance in the first place?

Why do you need umbrella insurance?

Before determining why you need personal umbrella insurance, it is essential to understand what is covered and what is not covered. Since umbrella insurance is meant to provide extra liability or additional coverage, it is not self-dependent. You will need to utilize the primary auto, home, boat, or motorcycle insurance and umbrella insurance will only come in when these are not adequate to cover for the losses and injuries.

Umbrella insurance covers the following:

  • Bodily injury
  • Slander or libel
  • Property damage
  • Personal injury
  • landlord liability

What is not covered:

  • Business losses
  • Oral or written contracts
  • Intentional or criminal acts or omissions

While it is a personal coverage, umbrella insurance extends to other members of the family, such as your children, spouse, and other relatives who live with you and don't have insurance under their own name. This means that in case your spouse or son caused an accident in Texas and they are sued for the injuries or damage, your umbrella insurance can help cover the additional costs after an auto insurance is depleted.

Personal liability provides additional liability, which can be valuable to you and other members of the family. For more information, contact AAB Insurance Group LLC or visit us at our Plano, TX office today.

States Served

  • Texas
  • California
  • Georgia
  • Illinois
  • Washington


  • Assurant Flood Insurance
  • Atlas General insurance
  • Germania Insurance
  • Hagerty
  • Hippo
  • Kemper Preferred/Personal
  • Maison Insurance
  • Mercury Insurance
  • National General
  • National Lloyds
  • Nationwide
  • Progressive
  • Progressive ASI
  • Safeco
  • Weston/Anchor Insurance