Umbrella & Personal Liability Insurance — TWFG Terry Cauthen Insurance
TWFG Terry Cauthen Insurance
Umbrella & Personal Liability Insurance
Extra protection when life's unexpected happens.
Extra protection when it matters most.
A serious accident or lawsuit can quickly exceed the limits of your home or auto policy. A personal umbrella policy from TWFG Terry Cauthen Insurance extends your liability protection across all your policies, giving you an extra layer of coverage when you need it most.
Coverage Options
Excess Liability
Kicks in once your home or auto liability limits are exhausted, covering the difference on major claims.
Lawsuit Protection
Covers legal defense costs and settlements for covered liability claims that exceed your underlying policy limits.
Broad Coverage
Extends over your auto, home, boat, and other personal policies in one umbrella policy.
Rental Property Liability
Covers liability exposure from rental properties you own beyond your landlord policy limits.
Personal Injury Coverage
Covers claims of libel, slander, false arrest, and invasion of privacy not covered by standard policies.
Worldwide Coverage
Most umbrella policies provide liability coverage for incidents that occur anywhere in the world.
Frequently Asked Questions
More Carriers, Better Options
As an independent agency, we're not tied to one insurance company. We shop your policy across hundreds of trusted carriers to find the right coverage at the right price.
Family, Not Just a Policy Number
You'll work with a real local agent who knows your name and your needs — not a call center. We're here for the big moments and the small ones.
Renewals Shopped Every Year
We don't just set it and forget it. Every renewal, we re-shop your policy to make sure you're still getting the best rate available.
Ready to Get Covered?
Call us or request a free quote online. We'll shop the market and find the right fit for you.