Umbrella Insurance in Texas

Jury awards above $10 million, what the insurance industry calls "nuclear verdicts," have grown steadily more common over the past decade. Meanwhile, a standard auto or home policy typically caps liability at $100,000 to $300,000 per claim. That gap between what a serious lawsuit can cost and what your base policies actually pay is exactly what umbrella insurance is built to close.

What an Umbrella Policy Adds

1. Extra liability limits, often starting at $1 million, once your auto or home policy is exhausted
2. Coverage for claims your home and auto policies exclude entirely, such as libel, slander, and false arrest
3. Liability protection that extends to rental properties, and in many cases, incidents that happen away from your property
4. Legal defense costs, even for claims that are ultimately found to be without merit

How It Works With Your Existing Coverage

An umbrella policy does not stand on its own. Carriers typically require you to carry underlying liability limits, often $250,000 per person and $500,000 per accident on auto, plus $300,000 on your home policy, before an umbrella policy will attach. Akoya reviews your current auto insurance and home insurance policies first, so your umbrella coverage lines up correctly and there is no gap between where one policy ends and the next begins.