Built for the home you've worked up to.
Standard home and auto liability limits stop at $500,000 to $1 million. Texas jury awards do not. Umbrella insurance is the layer that sits between your assets and a lawsuit. We size the limit to your net worth, not to a default number that does not match the household.
Led by Charles D. McDade, LUTCF · Agency Owner · 50+ top Texas carriers
Houston umbrella insurance is liability coverage that sits above your home and auto policies. A $1 million umbrella starts at $250 to $500 per year for most established Houston homeowners. Limits stack from $1 million to $10 million. We size yours to net worth, exposure, and asset structure, not a default number from a comparison site.
Houston households with real assets and real exposure.
If you have worked up to something worth protecting, the lawsuit that takes it from you will not stop at your home or auto liability limit. Umbrella is the layer that does.
Four reasons established homeowners do not skip umbrella.
A million dollars sounds like a lot until you read a Texas jury verdict. Umbrella does four things at once that no other personal lines policy does as well.
Liability Above Home and Auto
Standard home and auto liability stops at $500,000 to $1 million per occurrence. Umbrella adds $1 million to $10 million on top.
One serious accident, one pool incident, one dog bite. The gap is real and the umbrella closes it.
Stacks from $1M to $10MLawsuit Defense
Legal defense costs run $50,000 to $500,000 even on cases that never go to trial. Umbrella pays defense costs in addition to the policy limit, not eaten out of it.
That distinction protects your settlement room when you need it most.
Defense costs do not erode limitsPersonal Injury Claims
Libel, slander, false arrest, defamation, invasion of privacy. Umbrella covers personal injury claims most home policies exclude entirely.
One bad social media post, one accusation gone wrong, and the gap shows up fast.
Coverage standard home policies cutWorldwide Coverage
Travel, rental cars in another country, watercraft on lakes outside Texas, vacation home liability. Umbrella follows you wherever the family goes.
Standard home and auto policies have geographic limits. Umbrella does not.
Texas household, global protectionTo be blunt. The home you have worked up to is not protected by the home and auto policies you bought when you were starting out. Umbrella is the layer that catches up to your life. We size it to your net worth, not to a default number from a comparison site.
Two ways to start.
Most calls start one of two ways. Pick the one that fits where you are.
Free Umbrella Review
Already have an umbrella? Send us your declaration page and your home and auto policies. We will read every limit, every exclusion, and every underlying policy requirement. We will tell you whether the limit fits your net worth and where the gaps are. No charge. No obligation.
Build a New Policy
No umbrella yet? Start with a conversation. We walk through your assets, your exposures, and the gap between what your home and auto carry today and what your household actually needs. Then we shop 50+ top Texas carriers because umbrella pricing varies more between carriers than home or auto pricing does.
50+ top Texas carriers shopped on every quote.
Umbrella pricing varies more between carriers than home or auto pricing does. The same household can see $300 differences on the same $1 million limit just by carrier choice. We shop the policy. We do not stop at the first yes.
Call 281.378.5002 for a Quote
Reach out to us directly for an updated insurance quote.
Real reviews from real Houston families.
"Charles walked through our net worth, our pool, the rental property, and the two teen drivers. Recommended a $3 million umbrella when our old agent had us at $1 million. The price difference was less than dinner out."
"We had umbrella from a captive carrier for years. Did not realize the legal defense came out of the limit. McDade rebuilt the whole package with a real umbrella that pays defense on top. Cheaper, too."
"They actually asked about the boat. They actually asked about the dog. They actually asked about the rental in Galveston. Nobody had ever sat down and asked us those questions before writing a number on a quote."
Houston households across the metro and surrounding suburbs.
Start the conversation
Send the policy.
We will read it.
Drop your name, phone, and a quick line about what your household looks like. A licensed Texas broker will follow up within one business day.
What we will ask for next. Your current home and auto declaration pages. Your existing umbrella declaration page if you have one. A rough sense of net worth. That is enough to size the right limit.
Umbrella Quote Request
Houston Umbrella questions we get every week.
What does umbrella insurance actually cover in Houston?
A personal umbrella policy covers liability claims that exceed the limits of your home and auto insurance. If you are sued for $1.5 million after an at-fault auto accident and your auto policy caps at $500,000, the umbrella picks up the gap. Coverage extends to bodily injury, property damage, personal injury (libel, slander, false arrest), and legal defense costs. It does not cover your own property, your business operations, or intentional acts.
How much umbrella insurance does an established Houston homeowner need?
Most Houston homeowners with $500,000+ in assets carry $1 million to $5 million in umbrella coverage. The right number depends on net worth, future earnings, real estate holdings, swimming pool exposure, teenage drivers in the household, rental properties, and recreational assets like boats or ATVs. We size the limit to the actual exposure, not a default $1 million number that does not match the household.
Is umbrella insurance worth it if I already have good home and auto coverage?
Standard home and auto liability limits in Texas top out around $500,000 to $1 million per occurrence. Texas jury awards regularly exceed $1 million on serious auto accidents and dog bite claims. An umbrella adds $1 million to $10 million on top for roughly $300 to $700 per year for the first $1 million layer. The math favors umbrella for any household with assets to lose.
Does umbrella insurance cover swimming pool accidents in Houston?
Yes. Pool accidents are one of the most common umbrella claim triggers in Houston. Drowning deaths, slip and fall injuries on wet decks, and diving board accidents regularly produce settlements above standard homeowners liability limits. Houston's pool density makes this exposure higher than the national average. Carriers may require fence height, gate locks, or alarms to write the umbrella, especially with children in the household.
How much does umbrella insurance cost in Houston?
A $1 million umbrella policy in Houston typically costs $250 to $500 per year for a standard household. Each additional million costs $75 to $200 on top. Pricing depends on number of vehicles, drivers under 25, swimming pools, rental properties, prior claims, and credit history in Texas-rated carriers. We shop 50+ top Texas carriers because umbrella pricing varies more between carriers than home or auto pricing does.
Do I have to buy my home and auto policies through McDade to get umbrella coverage?
No. Umbrella policies require underlying home and auto liability minimums (typically $300,000 home, $250,000/$500,000 auto), but those policies can stay with your current carriers. The cleanest setup keeps everything under one broker for renewal alignment and claim coordination. It is not required to start an umbrella with us.