Are You One of the
94.6% Without
an Umbrella Policy?

Your Auto Liability Gap: Texas minimum auto liability is $30,000 per person. A serious DFW accident can exhaust that before the first lawsuit is filed. Everything above your policy limit is a personal liability under Texas law.

The TX Motorcycle Liability Gap: The median motorcycle accident settlement in Texas is $1,000,000. The average is $1,866,138. Texas minimum motorcycle liability: $30,000 per person. That covers 3 cents on the dollar of a median Texas claim.

Boat Liability on North Texas Lakes: Texas waters saw 97 injuries and 28 fatalities from boating accidents in 2023. Texas ranks 13th nationally in boating fatalities. A serious multi-person accident can generate simultaneous claims that exhaust a standard boat policy in minutes.

The Campsite Liability Gap: When you're parked at a campsite, your RV is your home. A guest trip, a child injury, a slip on your stairs — these are premises liability events. The Insurance Information Institute reports the average premises liability settlement at $200,000. Serious injuries reach $500,000–$1,000,000+.

Landlord Liability in 2026 Texas: Premises liability verdicts over $10M rose 52% in 2024 vs. 2023. One insurance executive: "A sprained ankle that was $50,000 a few years ago is now $1,000,000." Your landlord policy covers $100K–$300K. Everything above is personal.