What Is Umbrella Insurance?
Umbrella insurance is additional liability coverage that helps protect you if the liability limits on your home, auto, or other underlying policies are exhausted. It provides an extra layer of protection for your assets and future earnings when standard insurance just isn't enough.
What Can Umbrella Insurance Help Cover?
Additional Liability Coverage: Provides millions in extra protection beyond your primary home and auto limits.
Legal Defense Costs: Helps pay for layered legal fees, even if the lawsuit is groundless.
Personal Injury Liability: Covers claims like libel, slander, or false arrest commonly excluded elsewhere.
Property Damage Liability: Extra protection if you're responsible for damage to someone else's property.
Worldwide Coverage: Your liability protection travels with you, protecting you almost anywhere in the world.
Note: Coverage depends on the carrier and policy terms.
Independent Insurance Broker
We work for you, not the carriers, finding the best options available.
Local Texas Expertise
We understand the specific legal and liability landscape of the Lone Star State.
Why Choose Shay Koko Insurance Agency?
Access to Multiple Companies
We leverage our carrier network to find the most competitive liability rates.
Honest Recommendations
Professional, transparent advice based on what you actually need to be safe.
Personalized Coverage Reviews
Deep analysis of your current assets to ensure no gaps in protection.
Friendly One-on-One Service
Direct access to Shay and the team whenever you have a question or claim.
Insurance with Intent. Service with Soul.â„¢
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Protect More Than One Part of Your Life
Bundling your policies is the smartest way to simplify your protection while maximizing your savings. Ask Shay today about combining your essential coverages for ultimate peace of mind.
• Commercial Insurance
• Commercial Trucking Insurance
• Homeowners Insurance
• Auto Insurance
• Umbrella Insurance
