Personal Insurance / Personal Umbrella
An Extra Layer of Protection Above Everything You've Built.
One serious accident can generate a liability claim that exceeds your home or auto policy limits. Personal umbrella insurance closes that gap — adding $1 million or more in coverage above your existing policies for less than most people expect to pay.
Liability protection that goes where your other policies stop.
Personal umbrella insurance is a liability policy that sits above your homeowners and auto coverage. When a claim exceeds the limits on those underlying policies, umbrella takes over — covering the difference up to its own limit, which is typically $1 million to $5 million.
It also covers certain liability exposures that your home and auto policies exclude entirely — like personal injury claims involving defamation or invasion of privacy. For most households, it's one of the highest-value policies available relative to its cost.
Coverage includes:
The claims that make people wish they had umbrella coverage.
These aren't rare edge cases. They're the kinds of incidents that happen to ordinary households — and that can turn into six- or seven-figure liability claims.
Multi-vehicle accident
You cause a serious accident injuring multiple people. Medical bills, lost wages, and legal fees quickly exceed your $300,000 auto liability limit. Without umbrella, you're personally responsible for the difference.
Injury on your property
A guest is seriously injured at your home. Your homeowners liability limit is $300,000 — but the claim settles for $800,000. Umbrella covers the $500,000 gap.
Teen driver incident
Your 17-year-old causes a serious accident. Young drivers are statistically higher risk — umbrella is one of the most cost-effective ways to protect your household when you have new drivers.
Social media or online activity
A defamation or invasion of privacy claim stemming from something posted online. Standard home and auto policies typically exclude this — personal umbrella often covers it.
We make sure the layers connect — no gaps between your policies.
Umbrella coverage only works correctly when the underlying policies are set up right. If your auto liability limit is too low, the umbrella may not attach until after a gap — leaving you personally exposed in between. We review your full household coverage before placing an umbrella to make sure everything stacks cleanly.
Because we manage your home, auto, and umbrella together, your account manager sees the full picture — and can catch issues that would be invisible if each policy were with a different agent.
Broad coverage, low cost
$1 million in umbrella coverage typically costs $150–$300 per year — one of the best values in personal insurance.
Sits above your existing policies
We make sure your home and auto limits are set correctly so the umbrella attaches cleanly — no gaps between layers.
One agency, full picture
Your umbrella, home, and auto are all managed together — so your account manager can see the full stack and make sure everything lines up.
Share your current policy — we'll make sure you're not leaving coverage on the table.
Through Canopy Connect, you can securely log in to your current carrier's portal and share your existing policy details with us. We'll review your coverage, compare it against what's available, and tell you exactly where you stand — same coverage, better rate, or gaps you didn't know existed.
- Secure, read-only access — we can't make changes
- Takes less than 2 minutes to connect
- We compare your current coverage line by line
- No obligation — just a clearer picture
Connect your current policy
Log in to your carrier portal through Canopy Connect and share your policy info securely. We'll take it from there.
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Umbrella questions we hear most.
Personal Umbrella Insurance Insights
Why most Texas families need more liability protection than their auto and homeowners policies provide.
Get Started
Add a million dollars of protection for less than a dollar a day.
Call us or request a quote — we'll review your home and auto limits, make sure everything stacks correctly, and find you the right umbrella policy.
McKnight Insurance Services · Mansfield, TX · By appointment · Weekdays 8:30am–5pm