You’ve worked hard to build the life you enjoy — your home, vehicles, savings, and family legacy. But one serious accident or lawsuit could put all of that at risk.
At Eastman Insurance Solutions (EIS Texas), we help protect your lifestyle with Personal Umbrella Insurance — an affordable, powerful layer of protection that goes Beyond the Coverage™ to shield your assets and your future.
Because when it comes to safeguarding what matters most, “enough coverage” isn’t always enough.
What Is Personal Umbrella Insurance?
Personal Umbrella Insurance is extra liability protection that extends beyond the limits of your home, auto, watercraft, or rental property policies.
It kicks in when your existing coverage runs out — covering lawsuits, legal defense, and judgments that could otherwise deplete your savings, investments, or retirement funds.
For high-earning professionals, homeowners, or families with multiple drivers and assets, it’s not just smart — it’s essential.
Why Our Clients Choose Umbrella Protection
Our Texas clients often have more to protect — homes, vehicles, children in college, investment properties, or even charitable foundations.
A single lawsuit from an auto accident, social gathering, or injury on your property can exceed your primary liability limits — and without umbrella coverage, your personal assets are on the line.
A Personal Umbrella Policy helps protect against:
- Severe auto accidents with costly medical or property damage claims
- Injuries at your home or on your property
- Lawsuits from libel, slander, or defamation
- Incidents involving family members or pets
- Claims exceeding your home, auto, or boat policy limits
With EIS Texas, we design umbrella protection that matches your full financial picture — not just your insurance policy.
Who Needs Personal Umbrella Insurance?
Umbrella coverage is especially valuable for:
- Homeowners with significant equity or multiple properties
- High-income earners and business owners
- Families with young drivers or multiple vehicles
- Owners of pools, dogs, or recreational vehicles
- Anyone who volunteers, hosts events, or serves on boards
If your income, assets, or reputation could make you a target for litigation, umbrella insurance provides crucial peace of mind.
How Personal Umbrella Insurance Works
Here’s how it fits into your overall protection plan:
- You’re in an auto accident that injures another driver.
- Your auto insurance pays its $250,000 bodily injury limit.
- The injured driver sues for $1 million in damages.
- Your umbrella policy covers the remaining $750,000 — protecting your savings, home equity, and future income.
Policies typically begin at $1 million in coverage and can increase in $1 million increments to $10 million or more.
And for most households, this enhanced protection costs less than a dollar a day — making it one of the smartest investments in personal risk management.
The EIS Leadership Advantage
At EIS Texas, we don’t just sell policies — we guide families through smart, strategic protection decisions.
Our Beyond the Coverage™ Partnership ensures your umbrella policy is:
- Integrated with your home, auto, and specialty insurance
- Customized to your true asset exposure and risk tolerance
- Reviewed annually to align with life changes and growth
- Supported by ongoing claims advocacy and trusted carrier partnerships
We believe leadership means protecting others — and that’s the foundation of how we serve every client.
Why Work With an Independent Agency Like EIS
As an independent agency, we’re free to partner with top-rated carriers such as Chubb, Travelers, Safeco, Nationwide, and The Hartford, ensuring your umbrella policy is as comprehensive as your lifestyle demands.
We focus on:
- Matching coverage to real-world risk
- Identifying hidden liability gaps
- Coordinating coverage across multiple properties or states
- Delivering transparent, honest service grounded in integrity
Our clients stay with us because we make insurance simple, personal, and proactive.
Get Started – Schedule a Risk Consultation
Your family, assets, and legacy deserve protection that lasts.
Let’s design an umbrella policy that provides the security your success deserves — and the confidence your family needs.
Or call our Texas office to review your current policies and discover how affordable complete peace of mind can be.
FAQ – Personal Umbrella Insurance in Texas
Is Personal Umbrella Insurance expensive?
Not at all. Most policies cost less than $1 per day for $1–$2 million in coverage — an incredible value for the protection it provides.
Will my umbrella policy cover family members?
Yes. Umbrella policies typically extend to all household members listed on your home or auto policies.
Can I use my umbrella policy for rental properties?
Yes. Umbrella coverage can extend to secondary homes or investment properties — we’ll structure your policy to include all your assets.
How do I know how much coverage I need?
We evaluate your net worth, income, and lifestyle to recommend a coverage limit that truly protects your current and future assets.