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Personal Liability / Excess Liability / Personal Umbrella

umbrella coverage

Personal Liability insurance is also called Excess Liability or Personal Umbrella.

Homeowners, Automobile, Watercraft and other personal insurance policies include

primary liability insurance.

  • Additional policies called Personal Umbrella or Excess Liability extend that coverage over and above those primary limits

  • This type of policy requires you to carry maximum limits on the underlying policies.

  • Umbrella/Personal Liability coverage limits start at $1,000,000 and can go up to $20,000,000 or higher.


Because we offer different types of policies through various companies, coverage varies.

John R. Ray & Sons, Inc. provides Commercial, Personal and Professional Insurance to All of Texas

9525 Katy Freeway, Suite 315, Houston, Texas 77024
P.O. Box 421329, Houston, Texas 77242-1329
telephone: (713) 528-5503
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The information on this website is to be used for reference only and in no way amends or alters any terms or conditions of your policies. For exact details, please refer directly to your policies.

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