Protection in Denton & across Texas
Umbrella Insurance
An extra layer of liability protection above home and auto
Protect what you have built, above your other policies
A serious car accident or an injury at your home can lead to a claim larger than your auto or home liability limit. An umbrella policy picks up where those limits stop. Lance Thomas Insurance helps Denton-area families decide whether an umbrella makes sense and how much coverage fits.
An umbrella usually sits on top of your home and auto policies, and keeping them together often makes it simpler to set up.
Rather talk it through? Call (940) 281-2069
Coverage options
What an umbrella policy can include
Tap any coverage to see what it does and when it matters.
Excess Liability
Extra liability coverage that starts where your other limits end.
An umbrella policy adds liability protection on top of your auto, home, and certain other policies. If a covered claim is larger than your underlying limit, the umbrella can pay the difference, up to its own limit. Umbrellas are commonly written in $1 million increments.
Good to know: Most umbrella policies require you to carry certain minimum liability limits on your home and auto first. We’ll check yours.
Bodily Injury
Medical bills and lost income when you’re responsible for someone’s injury.
Serious injuries can mean hospital stays, surgery, rehab, and lost wages, and a lawsuit can ask for all of it. When you’re at fault in a car accident or someone is badly hurt at your home, the umbrella can help pay once your auto or home liability runs out.
Good to know: A single bad accident on I-35 can involve several injured people. That’s where an umbrella earns its keep.
Property Damage
Damage you cause to other people’s cars, homes, and property.
If you cause an accident involving a newer truck or multiple vehicles, or damage to someone’s home, repair costs can go past your underlying property damage limit. The umbrella can cover the difference, up to its limit.
Good to know: Vehicle repair costs have climbed in recent years, which makes higher limits more worth a look.
Personal Injury
Claims like libel, slander, and defamation, depending on the policy.
Many umbrella policies extend to certain claims that aren’t physical injuries, such as libel, slander, defamation, or invasion of privacy. With social media and neighborhood group chats, it’s a real category of lawsuit. What’s included depends on the specific policy.
Good to know: Business activities are typically excluded. A business needs its own commercial liability coverage.
Legal Defense
Help paying attorneys and court costs for covered claims.
Being sued is expensive even when you did nothing wrong. Umbrella policies often help pay for legal defense on covered claims, and in many cases defense costs are paid in addition to the policy limit rather than reducing it. Terms vary, so we’ll show you how yours works.
Good to know: Defense coverage can matter for claims your underlying policies may not cover at all.
Household Members
Covers you and the relatives who live with you, including teen drivers.
An umbrella generally covers you, your spouse, and relatives living in your household. That includes a teenager who just got their license, which is one of the most common reasons families add an umbrella.
Good to know: Rental properties, boats, and other vehicles may need to be listed. Tell us everything you own so nothing slips through.
Coverage availability, limits, and underlying policy requirements vary. We’ll walk you through each option before you decide.
Who we help
Coverage for households with more to protect
An umbrella isn’t only for the wealthy. It’s for anyone whose savings, home equity, or future income would be at risk after a big lawsuit. Here’s who asks us about it most.
Start My Umbrella QuoteHomeowners With Savings
If your home equity, savings, and retirement accounts add up to more than your liability limits, an umbrella helps protect them.
Families With Teen Drivers
New drivers raise the odds of an accident. An umbrella adds a layer above your auto liability while they gain experience.
Pools, Trampolines & Dogs
Backyard pools, trampolines, and dogs are common sources of injury claims. An umbrella adds room above your home liability.
Boats & Rental Homes
Own a boat for weekends on Lewisville Lake or a rental house? Ask us how those fit under an umbrella.
How it works
3 steps to more liability protection
-
Share your current policies
Call, stop by, or request a quote online. Your home and auto declarations pages show us your current liability limits.
-
Size your coverage
We look at your home, vehicles, drivers, and savings, then help you pick an umbrella limit that makes sense.
-
Set it on top
We’ll line up your underlying policies with what the umbrella requires and handle the paperwork. Questions later? Call the office.
Client reviews
Families who trust Lance
Greg P.Google review · Home, auto & umbrella
Lance Thomas’ Farmers Insurance office has been great to work with in getting quotes for my homeowners, autos and umbrella policies. They were responsive, courteous and competitive. I have enjoyed doing business with them. Thank you!
Casey E.Google review · Business owner
I appreciate Lance’s willingness to find me the best coverage for my needs. He didn’t waste my time trying to sell me unnecessary services. He was able to accommodate my schedule and was very friendly. He even gave some great ideas to consider for my business!
Kaitlyn W.Google review · Client
Lance is the most communicative and comprehensive insurance agent we’ve ever had. He has been committed to watching out for us and truly just wants to make sure we are taken care of, regardless of how it may affect him. He is a genuinely kind person and absolutely the right person you want in your corner when dealing with insurance.
Nathan F.Google review · Home, auto & life
If you are looking for life insurance, home insurance, or auto insurance in Denton, TX, definitely give Lance Thomas a call. He is THE HONEST person you are looking for.
Darrell A.Google review · Home & auto
Incredible service. Saved me a ton of money and it was a hands free process. Provided them with my current insurance (home/auto), they matched the coverage and it came in significantly less expensive. A simple phone call and a few emails to complete enrollment. Awesome!
Dean T.Google review · Client
Lance is a wonderful agent, he is always there to answer your questions.
Umbrella insurance FAQs
Straight answers about umbrella insurance
Don't see your question here? Give the office a call and we'll help you sort it out.
Talk to the office(940) 281-2069What does umbrella insurance cover?
An umbrella policy adds liability coverage above your home, auto, and certain other policies. It can help pay for injuries and property damage you’re responsible for, some personal injury claims like libel or slander, and legal defense, once your underlying limits are used up.
Do I need an umbrella policy?
It’s worth considering if your home equity, savings, or future income would be more than your current liability limits, or if you have higher-risk exposures like a teen driver, a pool, a dog, a boat, or a rental property.
How much umbrella coverage should I get?
Umbrellas are commonly sold in $1 million increments. A reasonable starting point is enough to cover your net worth plus some room for future earnings. We’ll help you think it through.
Do I need certain home and auto limits first?
Usually, yes. Most umbrella policies require minimum liability limits on your underlying auto and home policies. We’ll check your current limits and let you know if anything needs to change.
Does an umbrella cover my own injuries or damage to my car?
No. An umbrella is liability coverage, so it pays for harm you cause to other people and their property. Your own injuries and vehicle damage fall under your auto, health, and home policies.
Ready for an extra Layer of Protection?
Send us your home and auto declarations pages. We’ll check your current limits and show you what an umbrella would add.