What sits underneath
Umbrella policies expect certain limits on the home and auto policies below them. If those are short, the umbrella may not respond the way you think.
Umbrella
Umbrella coverage
An umbrella adds liability limits above your home and auto policies. It is there for a serious injury claim that would otherwise come after your other limits.
Families with teen drivers, a pool, a rental, a boat, or anyone whose savings are larger than their current liability limits.
Jason Karamath
(806) 445-2987
What I’ll look at
Who it is meant for
Pools, young drivers, rentals, and boats are the usual reasons a Woodlands household looks at one.
What it is not
It is not a substitute for flood, health, or a weak homeowners policy. It is extra liability.
Here, specifically
A lot of families here have more than one exposure: kids driving, a pool, maybe a place on Lake Conroe. The umbrella conversation starts with that list.
Common questions
Is a million dollars of coverage automatic?
No. The limit should match what you’re protecting. I’ll show you the step between your current auto and home limits and an umbrella, including what those underlying limits need to be.
Does it cover my business?
A personal umbrella is for personal liability. Business exposures usually need their own policy. Tell me what you do and I’ll keep them separate.
Have an insurance question?
Ask your neighbor.Tell me what you have. I’ll give you an honest opinion, including if you should leave it alone.