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Find Umbrella Insurance Agents Near You in Houston, TX
Browse umbrella insurance agents serving Houston, Texas. Contact information and addresses listed below.
19 agents listed
Updated May 2026
Houston, TX
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Texas before hiring.
Showing 19 umbrella insurance agents in Houston, TX
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
An umbrella insurance agent in Houston helps you secure extra liability coverage beyond your standard auto or home policy. Texas law does not require umbrella insurance but it can protect your assets from large lawsuits common in a growing city like Houston. Local agents understand the specific risks of the area including flood and hurricane exposure.
What Does a Umbrella Insurance Agent in Houston Cost?
The typical cost for a 1 million dollar umbrella insurance policy in Texas ranges from 150 to 300 dollars per year. For 2 million dollars in coverage the annual premium often runs between 250 and 500 dollars. Costs vary based on your driving record number of properties and other risk factors. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Houston do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that provides additional coverage limits. This policy kicks in after your underlying auto or homeowners insurance is exhausted. The agent can explain how Texas liability laws affect your coverage needs.
How much umbrella coverage do I need in Texas?
Most agents recommend at least 1 million dollars in umbrella coverage for Houston residents. The amount depends on your assets income and risk factors such as having a pool or rental property. Texas courts allow high jury awards so higher limits may be wise.
Can I get umbrella insurance if I have a Texas drivers license?
Yes you can get umbrella insurance with a Texas drivers license. You must first have a minimum level of auto and homeowners insurance as required by the carrier. Texas law sets minimum auto liability limits at 30 thousand dollars per person but umbrella policies usually require higher underlying limits.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Texas.