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Since 2013, Preferred Insurance has been helping customers get the coverage they need for their families. We invite you to learn more about us, and make Preferred your agency of choice.

What’s Covered Under Personal Umbrella Insurance?

Umbrella insurance extends over your other primary policies, including Homeowners insurance, Auto insurance, Boat insurance, RV insurance and more. Here’s how it works. Let’s say you have $200,000 in policy limits with your Auto policy. An accident involving your vehicle causes injuries to the driver and the passengers in the other car. You end up being legally liable for $500,000. A $1 million Personal Umbrella will step in and pay the difference after the limits on your Auto insurance are exhausted. In essence, with Umbrella insurance you have $1.2 million of liability limits available.


Facts About Personal Umbrella Insurance?

Certain individuals and households have a higher liability risk than others. You may have a swimming pool, trampoline, certain breeds of dog, or teen drivers who tend to have liability risks that exceed the ordinary. If you own a boat, host parties, or own guns, you should also consider a Personal Umbrella policy.

In addition, the high cost of medical treatment and automobiles are enough to make one stop and think about how much a bad accident could run. Would your Auto insurance cover the total loss of a $100,000 car and injuries to its occupants? How about a drowning or permanent disability from an accident in your swimming pool or on your boat? You can imagine how quickly your Liability coverage could get eaten up by legal bills and restitution.

Looking for help? Our agents can help you find what you’re looking for.

“I am so happy with PCIA as my insurance agent. I like the fact that even when things got tough for me you always took the time to answer my multiple questions and guide me to avoid pitfalls which in turn has saved me money.”

E. Gutierrez DFW Pro Office Cleaning

“Upon searching for that “competitive edge insurance agency”… I found the staff and management of PCIA to be very responsive and professional, with that extra touch of expedited service and impeccable documentation. They have handled our Commercial Auto and Cargo needs, while still providing the coverage at a fair price. If you’re in search of that “just right fit” for your fleet insurance, then look no further.”


“I just wanted to thank you for your incredible service over the past two years or so with regards to our business’ insurance coverage. You have been far and away the best and most diligent of any carrier we have had over our 36 years in business. Thank you all for your incredible time and attention to the needs of my business. WE look forward to another great year with you.”

L. Lothrop Lothrop’s Landscape, Inc.