Umbrella Insurance - Extra Liability Protection In Texas
When One Big Claim Is Too Big For One Policy
A serious accident can exceed the limits of home or
auto coverage. Personal umbrella insurance adds an extra layer-often starting at $1 million-so your savings, home equity, and future earnings aren't exposed. O'Sullivan Integra helps families across Tomball and Houston choose limits that fit real-world risks.
How A Personal Umbrella Works
Your underlying policies (home, auto, boat, etc.) pay first. When those limits are exhausted, your umbrella kicks in up to its higher limit. It can also address certain claims not fully handled by underlying coverage-ask about specific policy terms so there are no surprises.
Who Benefits From Higher Limits
Homeowners, landlords, frequent hosts, volunteer coaches, teen drivers, and boat or RV owners often benefit from extra liability. Umbrella policies are typically inexpensive for the amount of protection. O'Sullivan Integra can bundle with
Auto Insurance and review assets and exposures to recommend a practical limit.
Questions Families Ask About Umbrella Policies
Will an umbrella apply to an accident at my house?
Your home policy responds first; if costs exceed that limit, your umbrella can extend protection.
Do I need to be wealthy for an umbrella?
Not at all-large judgments can affect anyone. Umbrella coverage is a cost-effective way to add meaningful limits.
Does this cover business activities?
Personal umbrellas are for personal liability. Business exposures may require Business Insurance or a commercial umbrella.
Add Confidence To Every Policy You Carry
From 77377 neighborhoods to downtown commutes, extra liability helps you stay ready for the unexpected. O'Sullivan Integra will compare carriers, confirm underlying limits, and set up your umbrella quickly.