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Find Umbrella Insurance Agents Near You in Houston, TX

Browse umbrella insurance agents serving Houston, Texas. Updated 2026-07-14.

The top-rated umbrella insurance agent in Houston, Texas is Texan Insurance, rated 4.9 stars across 2,562 reviews. Other highly rated options include The “REAL” Insurance Lady, Priority Insurance, Cash & Forbes Insurance Group. This directory lists 19 umbrella insurance agents serving Houston.

Showing 19 umbrella insurance agents in Houston, TXListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Texan Insurance6161 Savoy Dr #960(281) 998-2500
2The “REAL” Insurance Lady4340 Griggs Rd(713) 367-1161
3Priority Insurance2610 S Texas 6 #1(281) 988-5660
4Cash & Forbes Insurance Group13501 Katy Fwy Ste 1875(281) 712-7072
5The Vanguard Insurance Agency1225 N Loop W suite 322(281) 453-8770
6Affordable Insurance of Texas7447 Harwin Dr. #288(713) 785-4000
7Memorial Insurance Agency13501 Katy Fwy Ste 1875(713) 461-8272
8ABM Insurance & Benefit Services14950 Heathrow Forest Pkwy Ste 500A(281) 448-3040
9Modern Risk Management, LLC11757 Katy Fwy Suite 1300(281) 400-1205
10TIA- Texas Insurance Agency11905 Bissonnet St #130(713) 893-3466
TI
6161 Savoy Dr #960
Texan Insurance
Umbrella Insurance Agent · Houston, TX

Texan Insurance serves the Houston, Texas metro area and surrounding communities, offering umbrella insurance agent services. These policies provide extra liability coverage beyond standard home and auto limits, protecting personal assets from major claims and lawsuits. The team works with clients to assess their risk exposure and select suitable excess protection. Umbrella insurance is essential for those with significant savings or potential legal vulnerabilities. The company assists with policy structuring and claims support for catastrophic events. It handles personal umbrella policies and excess liability solutions for property owners in the region.

RI
4340 Griggs Rd
The “REAL” Insurance Lady
Umbrella Insurance Agent · Houston, TX

The REAL Insurance Lady provides umbrella insurance coverage for clients in the Houston, Texas area, offering liability protection that extends beyond standard home and auto policies. They assist policyholders by explaining coverage limits and requirements, and they help clients maintain appropriate protection through regular policy review options. Their services are available for a variety of customer needs, including single-family homes, apartments, retail locations, and restaurants.

PI
2610 S Texas 6 #1
Priority Insurance
Umbrella Insurance Agent · Houston, TX

Homeowners, businesses, and property managers in Houston, Texas, look to Priority Insurance for expert guidance on umbrella insurance. The company helps clients secure additional liability coverage beyond standard policy limits, protecting assets against major claims or lawsuits. This extra layer of financial security is essential for those with significant property holdings or growing operations in a dynamic urban market. Priority Insurance specializes in tailoring such policies to individual risk exposures. It also serves homeowners and commercial clients throughout the greater Katy area and surrounding Houston metro communities.

CF
13501 Katy Fwy Ste 1875
Cash & Forbes Insurance Group
Umbrella Insurance Agent · Houston, TX

Cash & Forbes Insurance Group serves the Houston, Texas area and its surrounding communities, handling umbrella insurance policies for local residents and businesses. This agency specializes in providing extra liability coverage that extends beyond the limits of standard auto and homeowners policies, helping to protect assets against major claims or lawsuits. The typical approach involves assessing a client’s existing insurance portfolio to determine appropriate coverage levels, ensuring a seamless policy that offers broader financial protection and peace of mind.

VI
1225 N Loop W suite 322
The Vanguard Insurance Agency
Umbrella Insurance Agent · Houston, TX

The Vanguard Insurance Agency in Houston offers umbrella insurance policies that can be secured as either a one-time standalone policy or as a recurring add-on to an existing homeowners or auto plan. This coverage provides an extra layer of personal liability protection above standard policy limits, safeguarding assets against major claims or lawsuits. Service for establishing or adjusting this additional liability protection runs on an as-needed basis, typically when clients require updates tied to major life events or asset changes.

AI
7447 Harwin Dr. #288
Affordable Insurance of Texas
Umbrella Insurance Agent · Houston, TX

Affordable Insurance of Texas offers umbrella liability coverage, providing additional layers of protection beyond standard homeowners and auto policies for Houston residents. The company assists clients in securing increased asset protection against major claims or lawsuits. This coverage is designed to step in when underlying policy limits are exhausted. High claims from heavy rain events common along the Texas Gulf Coast can quickly exceed primary policy limits. As winter storm season approaches, many seek this extra buffer against costly liability exposures from frozen pipes.

MI
13501 Katy Fwy Ste 1875
Memorial Insurance Agency
Umbrella Insurance Agent · Houston, TX

As Houston faces another season of heavy Gulf storms, homeowners and drivers often look to protect their assets beyond standard policy limits. Memorial Insurance Agency helps local clients in the Houston area assess their personal liability exposure and secure appropriate umbrella coverage. This type of insurance acts as an extra layer of financial protection against major claims or lawsuits. The agency begins each new relationship with a careful review of the client's existing policies and current risk profile, scheduling an in-person or virtual inspection of the property to verify coverage needs.

AI
14950 Heathrow Forest Pkwy Ste 500A
ABM Insurance & Benefit Services
Umbrella Insurance Agent · Houston, TX

ABM Insurance & Benefit Services in Houston, Texas, provides insurance solutions to protect businesses from financial risk. The firm specializes in umbrella insurance, offering supplementary liability coverage that extends beyond primary policy limits. This additional layer helps secure assets against unforeseen lawsuits or large claims. The agency serves a variety of commercial sectors, including office complexes, warehouses, and food service establishments, tailoring its policies to the distinct liability exposures each faces.

MR
11757 Katy Fwy Suite 1300
Modern Risk Management, LLC
Umbrella Insurance Agent · Houston, TX

Modern Risk Management, LLC offers residential umbrella insurance coverage in Houston, Texas, providing an extra layer of liability protection beyond standard policies. Commercial umbrella insurance is also available for local businesses in the area. The agency serves clients throughout the Houston metropolitan region. Each policy is reviewed to align with current individual needs. Follow-up consultations are offered to adjust coverage between regular policy reviews, ensuring consistent protection as life circumstances evolve.

TT
11905 Bissonnet St #130
TIA- Texas Insurance Agency
Umbrella Insurance Agent · Houston, TX

TIA- Texas Insurance Agency provides Umbrella Insurance Agent services for residential clients in the Houston area, extending liability coverage beyond standard home or auto policies. The agency also assists commercial clients who require broader protection for business operations throughout the city. Their service area covers Houston and the surrounding communities within the region. As an umbrella insurance specialist, the agency focuses on helping clients address gaps in their existing liability limits. They routinely follow up with policyholders to review coverage needs before scheduled renewal periods, ensuring adjustments are made between regular visits.

DB
2190 N Loop W Fwy #400
Douglas B Johnson Insurance Agency
Umbrella Insurance Agent · Houston, TX
(713) 956-7200
dbjins.com
TT
9722 Fondren Rd
TIA- Texas Insurance Agency
Umbrella Insurance Agent · Houston, TX
(713) 666-1024
gettia.com/texas-insurance-agency-1013
TT
186 Uvalde Rd
TIA- Texas Insurance Agency/Uvalde Insurance Agency
Umbrella Insurance Agent · Houston, TX
(713) 453-5158
gettia.com/texas-insurance-agency-1022
TT
5805 Bellaire Blvd suite b
TIA- Texas Insurance Agency
Umbrella Insurance Agent · Houston, TX
(713) 893-3433
gettia.com/texas-insurance-agency-1004
TT
3800 Little York Rd Suite 110
TIA- Texas Insurance Agency (Inside of Mi Tienda)
Umbrella Insurance Agent · Houston, TX
(832) 632-9135
gettia.com
HI
3402 Broadway St
House of Insurance-Francisco De La O
Umbrella Insurance Agent · Houston, TX
(713) 694-5500
delaoinsurance.com
ZU
7940 Hillcroft St B
A-Z Union Insurance Agency LLC.
Umbrella Insurance Agent · Houston, TX
(281) 974-3184
azunionins.com
IO
430 S Texas 6 # 102
Insurance Over Texas Agency, LLC
Umbrella Insurance Agent · Houston, TX
(281) 752-6704
insuranceovertexas.com
IA
3301 Tidwell Rd
Insurance Agents of Houston LLC
Umbrella Insurance Agent · Houston, TX
(281) 889-7965
insuranceagentshou.com

What Does an 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.

About umbrella insurance agents in Houston

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.

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.

Umbrella Insurance Agents in Other Texas Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.