Umbrella Insurance

Umbrella insurance is a personal insurance policy that provides coverage that exceeds your primary insurance policies. It can give you an umbrella of protection and financial security in the face of life's disasters. At Jacque Pirtle Insurance, we offer Texas residents umbrella coverage.

What is Umbrella Insurance

Umbrella insurance is also known as catastrophic insurance. An umbrella policy usually kicks in where your primary policy ends. If you have $100,000 in accident liability, for example, your primary policy will cover damages up to $100,000. However, if you cause a ten-car pileup, and the total damages are $1 million, you would be responsible for the remaining $900,000. If you have an umbrella policy, it will cover the $900,000 that your primary policy doesn't.

To qualify for an umbrella policy, you must have a primary home and auto policy that meets the coverage limits specified in the umbrella policy. Most umbrella policies also extend coverage to the members of your household.

Is Umbrella Insurance Affordable?

Umbrella insurance is typically sold in $1 million increments. You might expect a $1 million insurance policy to be expensive, but they are quite affordable. This is because there are far fewer claims to an umbrella policy than primary policies. Your primary policy is designed to provide enough coverage in most situations. However, if catastrophe strikes, it can impact your financial security for a lifetime.

Liability lawsuits are common today, and judgments can easily reach $1 million or more. Even if you don't have $1 million or more in assets that could be seized in a judgment, your future earnings could be garnished. Regardless of your financial status, umbrella insurance is a wise way to protect your financial stability.

Umbrella Insurance can protect you and your family from financial disaster. Enjoy peace of mind with an umbrella policy from Jacque Pirtle Insurance in Texas. Contact our knowledgeable agents to learn more.


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