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201 S Preston Rd
Celina, TX 75009

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Umbrella Insurance in Texas

There are a few reasons why you may want to consider getting an umbrella insurance policy in Celina, TX. Unfortunately, standard liability limits on home and auto policies are not enough for a big lawsuit.

You will want to protect yourself if someone is injured at your property and decides to sue you. The extra liability insurance will not only cover any costs on medical bills, but it can also pay for the legal defense if the cost exceeds any liability coverage on your homeowner’s policy. You can also stay protected if you get in a car accident and are sued. Once your insurance maxes out, you will be responsible for any additional damages and this can be a lot. With an umbrella policy, you can also protect yourself from libel, slander, or other types of lawsuits that aren’t covered by your auto or home insurance. For example, what you post on social media could leave you open to a lawsuit and an umbrella insurance policy can cover legal costs and a settlement.

Everyone can benefit from umbrella insurance, especially since it’s easy to face a lawsuit today. It can be helpful for anyone with greater liability risk, someone who is expecting an inheritance, someone who has assets to protect, or someone with the potential to earn a substantial income. It’s recommended that you have a $1 million-dollar policy. However, if you have more than $1 million in assets or make more than $100,000 per year, you should consider a larger policy.

Purchasing Umbrella Insurance in Texas

You can purchase umbrella insurance through an agent at Rasor Insurance. This insurance can be purchased as a standalone policy or as a rider on other insurance policy. It’s important to note that in either case, umbrella insurance can only be purchased if you already hit certain liability limits on your home, auto, and other insurance policies. You can purchase coverage in million-dollar increments.

Contact Rasor Insurance, serving Celina, TX, to get a quote on umbrella insurance.


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  • Columbia Lloyds
  • Foremost
  • Germania
  • Hagerty
  • Liberty Mutual
  • Midland National Life
  • Progressive
  • Safeco
  • State Auto
  • Texas Mutual
  • The Hartford
  • Travelers
  • Utica

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