Umbrella Insurance
Extra liability for real life
A personal umbrella policy in TX adds an extra layer of protection above your home and auto limits when big claims happen. Alcorn Insurance Texas builds umbrella insurance in Texas that fits Georgetown households—from teen drivers in Sun City to frequent hosts near the Georgetown Square—so one accident or lawsuit doesn’t upend your plans.
What your policy can cover
Higher liability limits
Typically $1–5 million that sit above home insurance liability and auto insurance liability limits when base coverage is exhausted.
Legal defense costs
Attorney fees and court costs associated with covered claims, on top of judgments where eligible.
Rental and teen driver exposures
Extra cushion for households with youthful drivers, pools, or frequent get-togethers.
Personal injury (non-bodily)
Coverage for libel, slander, or defamation claims that standard policies may not fully address.
Worldwide incidents
Liability protection that can follow you when traveling or renting vacation property.
Excess uninsured motorist (when offered)
Some carriers allow an endorsement to extend protection against underinsured drivers.
Local insight
Coordinated for Georgetown households
Alcorn Insurance Texas reviews your existing home and auto policies to align deductibles, limits, and exclusions with your umbrella—no surprises after a claim. From Serenada to Wolf Ranch and neighborhoods around Lake Georgetown, we’ll size coverage to assets, income, and everyday risk. Own a shop or run crews? Ask how a personal umbrella fits alongside commercial insurance to keep business and personal liabilities clearly separated.
Umbrella insurance FAQs
Do I need umbrella insurance if I have high limits already?
Umbrella adds another $1–5M above those limits and can broaden protection for personal injury claims like libel or slander.
How much umbrella coverage should I carry?
A common starting point is matching your net worth and future earnings potential. We’ll help estimate a practical amount.
Does a personal umbrella cover my business activities?
Generally no. Business-related claims require separate policies; we’ll outline options alongside your commercial insurance program.
Will my teen driver be covered under the umbrella?
Yes, as long as they’re listed on your auto policy and you maintain required underlying limits set by the carrier.
What are the underlying requirements?
Carriers require minimum auto insurance liability limits and home insurance liability levels. We audit your policies and adjust before binding the umbrella.
