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I have known David Espinosa for three years. I have worked with David on a business as well as personal nature as far as insurance needs. I sold new home construction for Plantation Homes and handled the area of Brushy Creek in Round Rock. David called on me and discussed his ability to service my customers with homeowners insurance. I recommended David to my clients and without question; they were all satisfied with the service and product. I then decided to give David a shot at my personal home, cars, and rental for my daughter at TAM. I have been very satisfied with the level of service and I also have been very pleased with the cost savings in comparison to my last carrier, State Farm. I would recommend David Espinosa to anyone looking for good service and good product.

David B

Personal Umbrella Insurance in Austin TX, Round Rock TX & Surrounding Areas

Sometimes, a typical home insurance policy or auto insurance policy just isn't enough. This is where personal umbrella insurance comes into play.

Your coverage has its limits, but you might need more to be protected in your circumstances. Espinosa Insurance Services provides personal umbrella insurance to customers in Austin, Round Rock, Cedar Park, Leander, Georgetown and surrounding areas.

What Can Personal Umbrella Insurance Do For You?

Here are a few scenarios in which personal umbrella insurance can be vital:

If you get a significant liability claim or judgment against you
While driving, you cause a multi-car accident
A flood that started in your home spreads and damages your neighbor's home
Someone slips and falls on your property

In the case of catastrophe and you reach your underlying liability limits on a policy (such as a home or auto insurance policy), personal umbrella insurance can help.

Compared to the amount of liability coverage you receive, the costs can be minimal. Personal umbrella insurance can come in many forms, protecting you from such issues as:

Bodily injury
Landlord liability
Legal fees
Other legal damages (e.g., libel or slander)
Personal injury
Property damage

Keep in mind that personal umbrella insurance doesn't apply to any business. This means that if you have a home-based business and there is damage to your personal property, it would not be covered. Also, if you cause damage to your own property, it would not be covered by personal umbrella insurance. But if something happens to someone else because of your negligence, you may be covered once any underlying policy limits have been exhausted.

Additional Protection for Additional Peace of Mind

If you own property, have significant savings or do innocuous activities that could potentially incur costly lawsuits, personal umbrella insurance might be right for you. In the event you are close to retirement and have substantial savings, a costly lawsuit could devastate you.

Click here to contact an agent or request a quote now to learn more about personal umbrella insurance and what Espinosa Insurance Services can do for you.