Personal Umbrella Insurance in Temple, Texas

What Is Personal Umbrella Insurance?

Personal umbrella insurance provides extra liability protection beyond the limits of your auto and homeowners policies. When a lawsuit or claim exceeds your primary coverage, umbrella insurance kicks in to cover the rest—protecting your savings, home equity, and future income from devastating judgments. For Temple families with assets to protect, umbrella coverage provides essential financial security.

Winkler Insurance helps Central Texas families add umbrella coverage affordably, extending your liability protection by $1 million or more.

Why Temple Families Need Umbrella Insurance

Liability claims can exceed your standard policy limits faster than you'd expect. Here's why umbrella coverage matters:

• Lawsuits are expensive. Legal defense alone can cost $50,000 or more, even if you win.


• Auto accidents cause major injuries. A serious crash can result in claims exceeding $500,000.


• Your assets are at risk. Without enough coverage, plaintiffs can go after your savings, home, and wages.


• Social media increases exposure. Defamation and personal injury claims are rising.


• Umbrella coverage is affordable. A $1 million policy often costs just $200 to $400 annually.

What Does Umbrella Insurance Cover?

Umbrella insurance extends your liability protection in several ways:

Excess Auto Liability
Covers amounts beyond your auto policy limits after a serious accident where you're at fault.

Excess Homeowners Liability
Covers amounts beyond your home policy limits if someone is injured on your property.

Personal Injury Claims
Covers defamation, libel, slander, and false arrest claims that underlying policies may exclude.

Worldwide Coverage
Protection extends beyond the US, covering incidents while you travel.

Legal Defense Costs
Pays attorney fees and court costs for covered claims.

How Much Umbrella Coverage Do You Need?

Most financial advisors recommend umbrella coverage equal to your net worth—the total value of your assets minus debts. If you have a home with equity, retirement savings, or other investments, umbrella insurance protects them from lawsuits. Policies typically start at $1 million and can go higher. Winkler Insurance helps Temple families determine the right amount.

How Much Does Umbrella Insurance Cost in Texas?

Umbrella insurance is surprisingly affordable. A $1 million policy typically costs $200 to $400 per year for Temple families with clean driving records. Each additional $1 million usually adds $75 to $150 annually. Most carriers require minimum liability limits on your auto and homeowners policies before adding umbrella coverage.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas families protect their assets with umbrella insurance. As an independent agency, we work with multiple carriers to find you affordable umbrella coverage that coordinates with your existing policies. Our Temple agents explain how umbrella insurance works and recommend appropriate limits.

Get a Personal Umbrella Insurance Quote in Temple, Texas

Our personal umbrella insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.