Umbrella Insurance That Protects Your Assets and Your Future
Umbrella insurance provides additional liability protection above and beyond the limits of your home and auto policies. It is designed to protect your finances when the unexpected happens—and when standard policy limits aren’t enough.
At Burg Insurance Group, we make getting umbrella insurance in Texas clear, fast, and straightforward.
What Is Umbrella Insurance?
A personal umbrella policy is an extra layer of liability coverage that activates when your underlying policies reach their limits.
It can help cover costs related to:
Property damage or bodily injury claims
Legal defense fees
Personal liability lawsuits
Incidents involving autos, homes, boats, RVs, or rental properties
Think of it as a safety net that sits quietly behind your other policies—ready when you need it.
Who Should Consider Umbrella Insurance in Texas?
Umbrella insurance is especially helpful for clients who have:
A home or property with significant value
Multiple vehicles or drivers in the household
Recreational vehicles or watercraft
Rental properties
Growing income and savings
Increased personal liability exposure
If your assets are increasing, your liability protection should increase with them. We help align coverage appropriately.
Independent Agents Make This Easy
We Compare Multiple Carriers
Because Burg Insurance Group is an independent insurance agency, we are not restricted to one provider. We shop umbrella insurance options from several trusted carriers and help you understand:
- Coverage limits
- Underlying policy requirements
- Deductible structures
- Pricing differences
- Endorsements that matter
Clear Explanations, Confident Decisions
You’ll know exactly how umbrella insurance works with your existing policies—and whether your limits are appropriate for your situation.
Excess Liability for Lifestyle and Specialty Needs
Umbrella insurance can extend to specialty items like boats, RVs, motorcycles, and additional properties. We help ensure everything is properly scheduled and coordinated.
Serving Cypress and Greater North Houston
We help Texas clients secure stronger liability protection across:
Cypress • Tomball • The Woodlands • Magnolia • Montgomery • Katy
Local insight combined with multiple carriers gives you smarter options.
Get a Personalized Quote
Get a Personalized Quote
Common Questions About Umbrella Insurance
What does umbrella insurance cover in Texas?
Umbrella insurance provides excess liability coverage above your home and auto policies and can help protect assets if a lawsuit or major claim exceeds those limits.
Is umbrella insurance expensive?
Usually no. Personal umbrella policies are often one of the most affordable ways to gain significant additional liability protection.
Do I need umbrella insurance if I already have auto insurance?
Auto insurance protects your vehicle. Umbrella insurance protects your finances and personal assets beyond standard liability limits.
Can Burg Insurance Group compare umbrella insurance carriers?
Yes. Burg Insurance Group is an independent insurance agency in Cypress, TX and we compare multiple Texas carriers to help you choose confidently.