UMBRELLA INSURANCE

Do You Need Umbrella Insurance?

Extra Protection for Life’s Big “What-Ifs”

Sometimes, life throws us curveballs that even the best insurance policies can’t fully catch. That’s where umbrella insurance comes in.

Umbrella insurance acts as an extra layer of financial protection that goes beyond your home or auto policy limits. If you’re ever faced with a major claim or lawsuit that exceeds the coverage on your existing policies, your umbrella policy steps in — helping to protect your savings, assets, and future income.

At CasaBlanca Insurance, we help Texans understand how umbrella coverage works, who needs it, and how to customize it to fit their lifestyle and level of risk.

What Exactly Is Umbrella Insurance?

Think of umbrella insurance as your “safety net.” It kicks in when your other insurance policies reach their limits.

For example, if you’re at fault in a serious car accident and the damages go beyond what your auto policy covers, your umbrella insurance can cover the remaining amount — often up to $1 million or more.

It can also extend to situations that traditional homeowners or auto insurance might not cover, such as:

• Libel or slander claims (something you say or post online)

• Accidents involving guests on your property

• Legal defense costs if you’re sued

• Injury or property damage caused by you or a family member

This kind of protection can make all the difference in preserving your financial stability if an unexpected event turns into a costly legal battle.

Who Should Consider Umbrella Insurance?

Umbrella insurance is valuable for anyone who wants an added layer of protection — but it’s especially important if you:

• Own a home, rental property, or vacation property

• Have significant savings, investments, or other assets

• Employ household staff or contractors

• Host guests frequently or own a pool

• Have a teen driver on your auto policy

• Are active on social media or own a business where reputation matters

Essentially, if there’s any chance that a lawsuit could put your personal assets at risk, an umbrella policy can help safeguard your financial future.

How It Works

Umbrella coverage becomes active only after your underlying policies — like your home, renters, or auto insurance — have paid out their maximum amounts. Once those limits are reached, your umbrella policy takes over, covering the remaining costs up to its own policy limit.

Most policies start at $1 million in coverage, but you can easily increase that limit based on your needs and exposure. The best part? Umbrella insurance is often surprisingly affordable, especially compared to the amount of protection it provides.

Factors like your driving record, age, location, and claims history can influence your premium, but for most Texans, the peace of mind is well worth the small additional cost.

Why It Matters

Without umbrella insurance, a single accident or lawsuit could have lasting financial consequences — potentially impacting your home, savings, and even your future income.

With the right coverage in place, you gain a cushion of protection that allows you to live your life with confidence, knowing you’re prepared for whatever comes your way.

Let CasaBlanca Guide You

At CasaBlanca Insurance, we believe in protecting not just your assets, but your peace of mind. Our team takes the time to review your current policies, assess your risks, and build a plan that keeps you covered from every angle.

☂️ Talk with a CasaBlanca Insurance agent today to learn how an umbrella policy can give you the coverage — and the confidence — you deserve..