What’s your plan for when disaster strikes? If you’re like most responsible Texas residents, it will involve doing anything and everything you can to protect your loved ones and prized possessions. Naturally, this includes investing in the right insurance policies.

Now, there's a good chance you already have home and auto insurance coverage, but too often these policies prove to be insufficient by themselves. That’s why umbrella insurance exists. This is a type of general insurance that provides greater coverage than your other existing policies (like homeowners and auto).

Sound complicated? Like all forms of insurance, there are a lot of logistics that go into umbrella coverage. But you don't have to navigate it alone! At Ross Insurance Agency, we're a community of dedicated insurance professionals with a mission to provide coverage to everyone in the Waco, TX area. We're here to answer all your questions.

How Does Umbrella Insurance Work?

You probably already know that your insurance policies come with liability limits. If you file a claim with damages that exceed those limits, you’ll be stuck paying out-of-pocket for the remaining balance. If you opted for bare minimum coverage on anything (as many people do, then the amount you’ll be stuck paying can be extremely costly. With a good umbrella policy in place, you don't need to worry. Your umbrella coverage can be used to cover the difference and prevent you from having to shoulder the financial complications alone.

What Does Umbrella Insurance Cover?

It's important to talk with an experienced insurance agent about your coverage needs and what your specific umbrella policy may cover. That said, general things that are often covered by Texas umbrella policies include property damage, bodily injury, personal liability and certain kinds of lawsuits.

As members of the community ourselves, we want to help our fellow Texas residents live comfortably and without worry. Give us a call or come stop by our Waco, TX office when you’re ready to learn more about the protection umbrella insurance can offer.