Living and working in Frisco means being part of one of the fastest-growing communities in Texas — and with growth comes responsibility. Whether you’re raising a family, managing a business, or both, protecting your financial future is more important than ever.
That’s why more people in North Texas are turning to Umbrella Insurance — an affordable way to add an extra layer of liability protection over your existing home, auto, and business insurance policies.
What Exactly Is Umbrella Insurance?
Umbrella insurance is designed to cover you when your standard insurance limits are maxed out. It adds additional liability coverage that kicks in after your primary policies (like home or auto) have paid their limits.
Think of it as a financial “umbrella” that shields your assets — your home, savings, business, or future income — from large claims or lawsuits.
If you’re found responsible for an accident or injury that exceeds your primary coverage, your umbrella policy helps cover the remaining costs, including attorney fees and settlements.
Real-Life Scenarios Where Umbrella Insurance Can Help
Umbrella policies come into play more often than people think. Here are a few examples:
- Auto Accidents: You cause a multi-vehicle accident on the Dallas North Tollway, and damages exceed your auto policy’s limit.
- Injuries at Home: A guest trips on your front steps during a gathering and files a costly lawsuit.
- Rental Property Liability: A tenant or visitor gets hurt at one of your properties and sues for negligence.
- Personal Liability Claims: You’re accused of slander or libel on social media — something not covered by most standard policies.
In all these cases, your umbrella policy would step in where your primary coverage ends.
How Much Umbrella Coverage Do You Need?
Coverage typically starts at $1 million and increases in million-dollar increments. For most Frisco-area families and small business owners, that’s more than enough to protect major assets.
Even better — umbrella coverage is surprisingly affordable. You can often secure an extra million dollars in protection for under $300 per year. That’s peace of mind for less than a dollar a day.
Why Frisco Residents Are Adding Umbrella Insurance
Frisco is home to thriving neighborhoods, successful entrepreneurs, and active families — which means higher exposure to everyday risks. Whether you’re driving busy local highways, hosting events, or managing rental properties, even one serious accident could result in a lawsuit that exceeds your standard coverage.
Umbrella insurance gives you the financial backup to handle those high-dollar claims without putting your assets or lifestyle at risk.
Why Work with Roger Welch Agency?
At Roger Welch Agency, we’re proud to help Frisco residents and business owners find smarter, more complete protection. As an independent insurance agency, we partner with top-rated carriers to customize your umbrella coverage based on your specific risks, goals, and budget.
We’ll take the time to review your current policies, identify coverage gaps, and build an umbrella plan that seamlessly fits your existing protection.
The Bottom Line
Accidents and lawsuits don’t discriminate — they can happen to anyone. And when they do, the right Umbrella Insurance policy can mean the difference between a minor setback and a financial disaster.
Whether you’re a Frisco homeowner, professional, or business owner, this is one small step that offers big peace of mind.
Contact Roger Welch Agency in Frisco, TX today to learn how affordable umbrella coverage can protect your family, business, and future.