Umbrella Insurance in Houston, TX
Personal umbrella insurance adds an extra $1M-$5M of liability coverage above your auto and homeowners limits. For families with assets to protect, teen drivers, swimming pools, or rental properties, an umbrella is typically the cheapest dollar-per-dollar liability protection available.
Umbrella insurance in Houston, TX: 24 licensed insurance agencies serve 2,390,125 residents in Harris County. auto premiums average $3,150 per year — 28% above the Texas state average. hurricane + hail drives 38% of homeowner claims.
24 umbrella insurance agencies in Houston
Within 15 miles of Houston, TX. Click any agency to view profile, contact info, and request a quote.
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Galaxy Insurance was established two decades ago in Houston, Texas. In 1999, starting from a single store in the Southeast region of Houston, we now have multiple convenient locations all around Houston, and continue to grow. We are licensed throughout the state of Texas and can insure you and your vehicles in Texas.
Licensed insurance agency in Houston, TX; represents 9 carriers.
Texas Insurance Agency (TIA) is an independent agency that has been serving individuals, families, and businesses in Texas since 1999. They compare multiple carriers to provide affordable coverage across auto, home, and commercial lines.
Licensed insurance agency in Houston, TX; represents 4 carriers.
Licensed insurance agency in Houston, TX; represents 38 carriers.
L.A. Insurance is an affordable insurance company, serving clients across the USA for over 33 years. We offer protection for your cars, boats, motorcycles, RVs, and business vehicles based on your needs, to bring you ultimate peace of mind.
Licensed insurance agency in Houston, TX; represents 146 carriers.
Licensed insurance agency in Houston, TX; represents 11 carriers.
Licensed insurance agency in Houston, TX; represents 6 carriers.
Licensed insurance agency in Houston, TX; represents 12 carriers.
Licensed insurance agency in Houston, TX; represents 7 carriers.
Licensed insurance agency in Houston, TX; represents 23 carriers.
Licensed insurance agency in Houston, TX; represents 8 carriers.
Texas Insurance Agency (TIA) has been serving individuals, families, and businesses in Texas since 1999, offering independent comparisons of multiple carriers to find affordable coverage. The agency emphasizes personalized service, bilingual support, and a wide range of insurance options for personal and commercial needs.
Avalon Insurance Agency is an award‑winning independent agency in Houston, Texas offering a range of personal and commercial insurance products. Since 2006 they provide auto, home, umbrella, flood, renters, landlord, RV/motorcycle, commercial and life insurance with a focus on personalized service.
Licensed insurance agency in Houston, TX; represents 6 carriers.
Licensed insurance agency in Houston, TX; represents 36 carriers.
Licensed insurance agency in Houston, TX; represents 4 carriers.
Licensed insurance agency in Cypress, TX; represents 17 carriers.
Licensed insurance agency in Houston, TX; represents 82 carriers.
La Familia Insurance provides auto, home, renters, and commercial insurance with a focus on affordable coverage for diverse communities. Their mission is to protect families without judgment and deliver personalized, bilingual service.
Licensed insurance agency in Houston, TX; represents 4 carriers.
Licensed insurance agency in Houston, TX; represents 10 carriers.
Frequently asked questions
Do I need umbrella insurance?
If your net worth is meaningful or you have higher-than-average liability exposure (teen drivers, pool, dog, rental properties), yes. A $1M umbrella is usually $200-$400/year and dramatically reduces lawsuit exposure.
Does my auto insurance cover lawsuits over my limit?
No -- you're personally on the hook for any judgment above your policy limits. Umbrella picks up where auto/home liability ends.
Can I get an umbrella from any agent?
Most carriers require you to also have auto + home policies with them (or at high enough limits elsewhere). An independent agent can often place the umbrella with the same carrier as your other policies.