At Payne Insurance Group, we know insurance can feel complicated — but protecting your future doesn’t have to be. Our goal is to help you understand all your coverage options, including one that many people overlook: Umbrella Insurance.

Umbrella Insurance provides extra liability protection beyond what your standard home, auto, or personal insurance policies offer. It’s designed to act as a financial safety net when life takes an unexpected turn — covering costs that might otherwise come out of your pocket.

When Umbrella Insurance Can Help

  • Major Car Accidents:
    If you’re involved in a serious car accident and the medical or legal expenses go beyond your auto policy’s limit, umbrella coverage can help pay the rest.
  • Injuries on Your Property:
    If someone is injured on your property — like a guest slipping near your pool — and decides to sue, umbrella insurance can cover legal fees and settlement costs.
  • Accidental Property Damage or Injuries:
    If a family member accidentally damages someone else’s property or causes an injury, umbrella coverage can fill in where your homeowners or renters policy stops.
  • Defamation or Slander Claims:
    In today’s digital world, even a simple social media post can lead to a lawsuit. Umbrella insurance helps protect you by covering legal defense costs, even if the claim is unfounded.

Why Payne Insurance Group Recommends It

Umbrella Insurance isn’t just for people with large assets — it’s for anyone who wants to stay financially secure when the unexpected happens. Our agents at Payne Insurance Group take the time to explain how umbrella coverage works, how it complements your existing policies, and whether it’s the right fit for your lifestyle and budget.

💡 Let Payne Insurance Group Help You Stay Covered
When it comes to protecting what matters most, you deserve clear answers and dependable coverage.

📞 Call Payne Insurance Group today at (956) 832-5600 to speak with a local agent and learn more about how Umbrella Insurance can give you added peace of mind.
🌐 Visit us online or stop by your nearest Payne Insurance Group location to explore all your insurance options.