Who Needs Umbrella Insurance? A Brief Guide

Umbrella insurance is a sort of mystery to many regular insurance policyholders. By its nature, this type of insurance is not specific to what it covers. Therefore, you may not realize that this kind of coverage would actually be useful for you until you become more familiar with the concept of an umbrella policy.

The truth is Insurance providers like Southwest Insurance Center, who offer an umbrella policy save the livelihoods of many individuals as well as their businesses. Read on to find out if umbrella coverage is for you.

What Exactly Is Umbrella Insurance?

To fully understand what an umbrella policy entails, you have to envision a literal umbrella. An umbrella protects you from the rain, sun, or other elements of the weather, kind of like your own personal roof. The umbrella keeps your whole body dry and cool. This is exactly how an umbrella policy relates to insurance coverage.

An umbrella insurance policy is not specific on purpose. It is meant to cover any gaps or limits all of your other policies may encompass. For instance, if you have a basic homeowner’s policy for your Austin, TX home, an umbrella policy can cover any damages that aren’t covered by this basic policy in case of an unfortunate disaster.

If you own a car but your auto insurance coverage is a bit skimpy, your umbrella coverage can kick in past the limits of that auto policy. Umbrella insurance is especially useful if your teen is newly added to your auto insurance policy.

Who Is Umbrella Coverage For?

The short answer is that anyone can benefit from purchasing an umbrella policy. This type of coverage is a leg up for anyone who may find themselves suddenly facing a costly emergency.

If you have many assets, though, an umbrella policy might be especially necessary for you. For instance, if you own a home, a car, and a business, an umbrella policy can keep you from losing everything you own in case of a house fire or a particularly nasty auto accident.

Are You Ready To Get Umbrella Protection?

Do you have assets you couldn’t stand to lose in case of an emergency?

If you have limited insurance policies and you don’t want to go into debt or bankruptcy should you lose your Austin, TX home, an all-encompassing umbrella policy from Southwest Insurance Center is for you. Contact us today for a quote on a policy that best fits your needs.

Things to Consider for RV Insurance

When considering RV insurance, there are three main types of uses to think about, which are:

  1. On the Road: Think about the need to insure the RV while it is driving down the road. Insurance should provide protection for the vehicle and its contents if it is involved in an accident.
  2. Parked: The protection needed for when an RV is parked includes insurance against theft, damage, vandalism, fire, and other risks to the RV and its contents.
  3. Storage: When an RV is in storage, there are other risks to consider such as pest infestation.

Discuss these three categories in detail with your agent at Southwest Insurance Center, serving Austin, TX and the surrounding area, to make sure you have adequate coverage.

On the Road

The most common accidents while on the road are:

  • A tire blowout caused by the tires not being properly inflated.
  • Hitting some overhang when the driver makes a height-clearance mistake.
  • Tearing off the stairs or something else attached to the RV when it was not retracted before moving the RV.
  • Fires that start in the motor area.


When an RV is parked, it is subject to the inclement weather of the area where it stops. Many RVers do not know the weather patterns of the places where the RV trip will take them. In fact, it may be the first time they visit an area. Additionally, climate change is causing unusual weather such as flooding and tornadoes that could damage a parked RV. Hail damage is a serious risk that may need special coverage.

When an RV is parked, it is vulnerable to burglary if the occupants leave the RV unattended. If the RV is parked in an isolated area and left unattended, it may attract vandalism. If it is parked in a campground, it may be subject to the risk of things being done by others who are nearby, such as lighting campfires.


Storage has special risks. Damage to a stored RV may come from pests, mold, mildew, and other risks depending on the storage conditions. If the RV is not secured properly, it could be stolen.


Protecting your valuable investment in your RV with adequate insurance coverage is best done with the help of your agent and thinking about all the details about where it will be used, parked, and stored. To get a quote for new RV insurance or an upgrade for existing RV insurance, contact an agent at Southwest Insurance Center in Austin, TX by calling 512-280-6100.