Umbrella Insurance: Insuring All Possible Risks

Umbrella insurance protects you and your family from the unexpected and fills in any gaps in insurance that you may have. Where Insgroup excels is meeting with our clients, listening to their goals and fears, and consulting on a custom umbrella insurance policy that will provide the coverage our clients need. Anyone can sell umbrella insurance; where Insgroup shines is creating an umbrella insurance policy around you.

Insgroup will consult with you and educate you on all the gaps and areas where you are at risk, based on your portfolio, assets, and lifestyle. We also pride ourselves on being a permanent partner you can always call on when a question or problem arises. If you obtain a new asset (or are looking to acquire a new asset) and want to learn the risks in coverage, our advisors will help you make an educated decision in coverage.

Insgroup made its name and reputation on being a permanent, empathetic insurance ally, not just an insurance vendor. Being based in Houston, TX, we know the value of a true partnership, and we remember each client’s face and story. Our goal is to keep you covered and informed as your assets and family grow. We know the ins and outs of insurance carriers, how to underwrite the perfect insurance policy for you – not the carrier – and more importantly, shoulder every burden and potential of risk. That’s what makes Insgroup the leading umbrella insurance provider in Texas.

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Helping Clients Protect Their Assets & Portfolio for Over 40 Year

Through our INSIGHT+ process, we engage with you to ensure we understand your lifestyle, challenges, and tolerance for risk. We will then leverage our relationships with the world’s premier insurance companies to negotiate a customized solution designed specifically for your needs and potential risks.

What does personal umbrella insurance cover? The better question is, what doesn’t it cover?

Umbrella insurance can cover a wide variety of risks, including injuries, car accidents, lawsuits, legal expenses, libel, defamation, damages to rental properties, wage garnishment, and so much more.

Most importantly, our umbrella insurance provides peace of mind and protection from the unexpected.

If you want coverage against the unimaginable, and you have a lot to protect (whether family or possessions), talk to one of our umbrella insurance advisors today, who will take care of everything. From strategic planning and protection, our experts draft a custom policy based on your needs and worries so that you can rest assured.

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What does umbrella insurance cover?

Umbrella insurance protects you from liability and gaps in coverage that your traditional policies do not cover. For example, umbrella insurance can help cover the cost of injuries or damages to the other individuals involved in a car accident that your auto insurance may not protect you from.

Who needs umbrella insurance?

The short answer: everyone can benefit from umbrella insurance.

The long answer: people that are underinsured, people with particularly high net worth, or people who want total coverage and protection so they do not have to worry about any potential risk.

Is umbrella insurance worth it?

Absolutely. Personal umbrella insurance can typically range between $12.50 to $25 a month and can provide anywhere from $1 million to $2 million in coverage. As long as your minimum insurance coverage requirements are met, umbrella insurance takes care of the rest.

Does umbrella insurance protect assets?

Umbrella insurance protects your personal assets, both current and future. Depending on the specifics of your policy, it can cover your dependents, legal counsel, damages against your rental properties, and nearly any unforeseen scenario.


What our private clients are saying

It has been a pleasure working with Insgroup. They are very knowledgeable and helpful. The entire team has been amazing to work with.

Joshua W.

Insgroup was great to work with, very responsive and we switched all of our home and auto to Insgroup and their suggested carrier. We saved over $2k/year in premiums!

Bev B.

Great group of people. Always responsive and easy to deal with. Whenever I have a question, my rep finds out what I need. Thank you!

Steve E.

Your Trusted Texas Partners in Personal Protection

Our #1 goal is to make sure you are as protected as possible and covered for every possible scenario. When you know your insurance partner will “take over from here,” it’s a great feeling, especially when the unfortunate happens.

Get Your Personalized Quote

Spend dollars per month, receive millions in coverage. Matched with Insgroup’s professionals, you’ll be sure to achieve peace of mind.

Fill in the Gaps

Your traditional policies only cover so much, both in terms of cost and coverage. “Umbrella” insurance is aptly named because it covers you for nearly everything that your other policies don’t.

Reduce Risk

Take the worry out of the things you can’t anticipate or control. Insgroup is the #1 trusted umbrella insurance partner in Texas for a reason. Our Insight+ process covers you in all facets of life.

What We Do

We analyze your current insurance policies, what they cover, whether they meet the minimum, and whether you’re underinsured. We then work to protect you from anything outside your control.