In today’s lawsuit-happy world, one accident or misunderstanding could put everything you’ve worked for at risk. Some insurance policies have liability limits that may not be enough when faced with a serious claim. With Actsphere’s umbrella insurance, you get millions in extra liability protection that extends over all your existing policies. We compare options from top carriers to find perfect coverage at exceptional prices—all through one trusted insurance company that treats you like family.

Critical Umbrella Insurance Mistakes That Could Cost You Everything—And How Actsphere Protects You

Most people make critical liability protection mistakes without even realizing it. At Actsphere Insurance Group, we help you avoid these potentially devastating errors.

Assuming Your Insurance Policies Provide Enough Protection

Most home and auto policies max out at $300,000-$500,000 in liability coverage. One serious accident with injuries or a major lawsuit can easily exceed these limits, putting your savings, investments, and even future earnings at risk.

Underestimating Today's Lawsuit Amounts

The average jury award for serious injury cases now exceeds $1 million. Medical costs alone can quickly surpass standard policy limits, leaving you personally responsible for the difference.

Failing to Protect Future Income

Liability judgments can garnish your wages for years to come. Umbrella insurance protects not just your current assets but your future earnings as well.

Missing Extended Liability Coverage

Standard policies may exclude certain liability situations like libel, slander, false arrest, or malicious prosecution. Umbrella policies typically cover these gaps.

What Our Actsphere Family Says

We’re proud to protect families, businesses, and employee wellness teams across the country. Our client stories show our commitment, honesty, and real results.

What Makes Actsphere Umbrella Insurance Different?

Actsphere Umbrella Insurance

Access to top-rated insurance carriers for optimal coverage
Policies available from $1 million to $10 million in protection
Comprehensive coverage analysis to identify gaps
Local agents who understand liability risks
Dedicated team supporting all your insurance needs
Multiple policy coordination to ensure no coverage gaps

Other Insurance Companies

Limited to one carrier's options only
One-size-fits-all policies that may not fit your needs
Potential gaps between primary policies and umbrella coverage
Call centers in other states or countries
Impersonal customer service
Limited coordination with underlying policies

Why Families Choose Actsphere for Umbrella Insurance

Since 2015, we’ve protected families from major liability claims, lawsuits, and life’s unexpected legal challenges. Learn more about our insurance agency.

Best rates from quality insurance carriers
Agents who ensure seamless coverage between primary and umbrella policies
Local experts who understand liability risks, not algorithms
Always human, always here when you need us
Policy changes handled promptly

Complete Umbrella Insurance Solutions From Actsphere

Essential Extra Liability Protection
Your family needs comprehensive protection against today’s liability risks. As your personal insurance partner, Actsphere builds coverage that extends beyond your standard policies to protect everything you’ve worked for.

What Umbrella Insurance Covers

Extended Liability Protection - Beyond Standard Limits
Legal Defense Coverage - Expert Representation
Worldwide Coverage - Protection Everywhere
Coverage Gap Protection - Filling Policy Voids

Specialty Umbrella Protection

High Net Worth Protection - For significant assets
Business Owner Coverage - For entrepreneurs and professionals
Family Protection - For those with unique risks

How Actsphere Umbrella Insurance Works

1

Free Liability Risk Assessment
Share your current policies and personal situation. We analyze your exposure and identify appropriate umbrella limits.

2

Multiple Quote Comparison
We evaluate umbrella options from several carriers and work to maximize your protection while minimizing costs.

3

Policy Coordination
We ensure your umbrella policy aligns perfectly with your underlying auto, home, and other policies to eliminate coverage gaps.

4

Lifetime Partnership
Claims support, and life-change updates are always just a call or text away.

Life Changes? Your Actsphere Family Is Here

Asset Milestones

New home purchase
Investment properties
Net worth increases
Inheritance
Business ownership

Family Changes

Teen drivers
Backyard pools
Coaching youth sports
Serving on boards
Retirement

Lifestyle Events

Boat or RV purchase
Second homes
Increased public profile
International travel

Switch to Actsphere Umbrella Insurance – We Handle Everything

We Make It Easy:

Review all current policies to identify liability limits
Analyze personal asset exposure
Compare umbrella options from several carriers for the best rates
Coordinate umbrella coverage with underlying policies
Ensure consistent liability limits across all policies
Set up convenient payment options

How Fast?

Initial Assessment: Same day in most cases
Umbrella Quotes: Same Day
Policy Binding: Same Day
Documentation: All electronic for convenience

Frequently Asked Questions

Who really needs umbrella insurance?

Anyone with assets to protect or income that could be garnished should consider umbrella insurance. If you own a home, have investments, or earn a good income, umbrella coverage is essential. Additionally, certain risk factors increase your need: teenage drivers, swimming pools, entertaining frequently, coaching youth sports, serving on boards, or owning rental properties all significantly increase your liability exposure.

How much does umbrella insurance cost?

Umbrella insurance is surprisingly affordable for the protection it provides. A $1 million policy typically costs $200-400 annually (about $17-33 monthly).

How much umbrella coverage do I need?

The general rule is to have umbrella coverage at least equal to your net worth. However, we recommend considering future earnings potential as well.

Does umbrella insurance cover business activities?

Personal umbrella policies generally exclude business activities. However, some policies cover home-based businesses with limited revenue or provide coverage if you serve on a nonprofit board. If you own a business, you’ll need a commercial umbrella policy in addition to your personal umbrella. We can help coordinate both types of coverage.

Will umbrella insurance cover intentional acts or criminal behavior?

No. Umbrella insurance, like most liability insurance, excludes intentional acts, criminal behavior, and contractual liabilities. It’s designed for unexpected, accidental events that result in bodily injury, property damage, or personal injury claims like defamation or invasion of privacy.

Do I need to have my auto and home insurance with the same company as my umbrella?

Not necessarily, but it’s often simpler and more cost-effective. While some umbrella carriers require underlying policies with them, many don’t. However, having all policies with the same carrier or agency ensures consistent coverage and can prevent gaps. As your independent agency, we coordinate all your policies regardless of carrier.

Do umbrella policies cover defense costs?

Yes, and this is one of their most valuable features. Umbrella policies typically provide legal defense costs outside of your liability limits. This means that even if a lawsuit is frivolous, your umbrella policy will pay for attorneys to defend you without reducing your coverage limit.

Is an umbrella policy different from excess liability coverage?

Yes. While both provide additional liability limits, a true umbrella policy offers broader coverage that extends beyond your underlying policies and may cover some claims not included in standard policies. Excess liability simply provides higher limits for the same coverage as your underlying policy.

Will my umbrella insurance cover me if I'm sued for causing an accident while traveling internationally?

Yes! Most umbrella policies provide worldwide coverage, protecting you from liability claims regardless of where the incident occurs. This is especially valuable for frequent international travelers, as standard auto and home policies may have limited or no international coverage.

Can I get umbrella insurance if I have previous claims or poor credit?

Yes. While previous claims or credit issues might affect your pricing, our relationships with several carriers mean we can find umbrella coverage for most situations. Don’t go without this critical protection due to past issues—let us help you find appropriate coverage.

Actsphere Protects Families in These States

Our team helps families secure umbrella protection across these great states. See umbrella insurance options by state:



TEXAS

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PENNSYLVANIA

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MICHIGAN

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OHIO

Each state has unique liability laws and risks. Our insurance experts know them all.

Actsphere Insurance Blog

Get practical tips for protecting your assets and understanding liability risks. Check out our insurance blog for umbrella insurance information, liability protection strategies, and claim guidance.

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Ready to Protect Everything You’ve Worked For?

Important: Don’t wait until after a lawsuit to discover you’re underprotected. Get umbrella coverage today.

Visit Our Office

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3129 Kingsley Dr., Suite 1910 Pearland, TX, 77584

When We’re Here

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Weekdays: 8:30 AM – 6:00 PM,
Monday – Thursday,
Friday – 8:30-5:00 PM

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Claims Emergency: 24/7
(Note: You can always contact insurance claims department)

Three Ways to Start

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(832)-956-1033 – Talk to a Licensed Insurance team member now

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Same number for quick questions

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sales@actsphereins.com – Get quotes today

Contact Actsphere Insurance

Call, text, or stop by anytime. Real people, real help, really fast.

“Stewardship is our policy” – Since 2015, Actsphere Insurance Group has been a trusted insurance company, protecting businesses and families with access to several top carriers. One company, complete coverage, unbeatable service.