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Don Atwell & Associates

1700 N. Hampton Rd Suite 100
Desoto, TX 75115

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Umbrella Insurance in Texas


Liability can become an increasingly complicated concept in Texas insurance. Does your home insurance cover every type of lawsuit someone could file against you? Of course, not – it only covers some events and costs. The same is true of auto insurance. And there are some types of lawsuits that no common insurance covers at all. That’s where umbrella insurance comes in – these flexible policies cover a wide range of liability situations to protect you from lawsuits.

Does Umbrella Insurance Cover the Same Liabilities as Home/Auto Insurance?

Umbrella insurance is designed to cover liabilities that both home and auto insurance can also cover. In this case, the umbrella policy will offer higher coverage amounts that will go into effect if the home or auto insurance policy is exhausted. Umbrella insurance may also cover certain fees or specific situations that other insurance will not.

Will Umbrella Insurance Cover Any Additional Liability Situations?

Yes. Umbrella insurance is also designed to help cover personal liability situations that aren’t usually connected to any other insurance. That includes issues of libel, slander, defamation, and similar accusations that often lead to lawsuits.

Is an Umbrella Policy Right for My Situation?

We encourage you to talk to an experienced insurance agent or attorney to see how effective an umbrella policy would be for your personal life. Anyone can use umbrella insurance, but some lifestyles may find it more important than others. For example, if you host a lot of parties or sporting events on your property, umbrella insurance may be more vital for you. Or if you have a very active social media life and a lot of followers, you may be at higher risk of a slander-based lawsuit, in which case umbrella insurance would be more valuable. Landlords, writers, and those primarily interested in protecting their net worth are other common causes.

Do you have more questions about putting together the right insurance package for your needs? Let Don Atwell & Associates help! We provide insurance services for Desoto, TX, and the surrounding area. Contact Don Atwell & Associates in Desoto, TX today to learn more.

Partner Carriers


  • AIG
  • American Modern
  • Assurant Flood
  • Berkshire Hathaway
  • Bristol West
  • BTIS
  • Chubb
  • CNA
  • Encompass
  • Foremost
  • Guard
  • Hagerty
  • Hartford
  • Hiscox
  • Home State
  • Metlife
  • Nationwide
  • Progressive