Does Progressive Offer Umbrella Insurance in Texas?

Does Progressive Offer Umbrella Insurance in Texas?

Yes, Progressive sells personal umbrella insurance in Texas through independent agents, covering liability claims that exceed your auto or home policy limits.

If you’ve been wondering whether Progressive offers umbrella insurance, the answer is straightforward. Progressive states that a personal umbrella policy can be purchased “anywhere in the United States,” which includes Texas. [Source: Progressive] The company describes umbrella insurance as extra liability protection beyond your existing auto and homeowners coverage, with limits starting at $1 million and available up to $5 million. [Source: Progressive]

Progressive’s Texas homeowners page also notes that an umbrella insurance policy may help protect assets if liability claims exceed your homeowners policy limits. [Source: Progressive] The product is available and active in Texas, and Progressive-affiliated agents in cities like Crosby and Laredo list umbrella coverage among their product offerings. [Source: Progressive Agent]

How Does Progressive Distribute Umbrella Insurance?

Progressive sells umbrella insurance through its network of independent agents, not through its direct online or phone channels.

This distinction matters. When you visit Progressive’s website, you can quote auto insurance or home insurance directly. Umbrella coverage works differently. Progressive’s agent directory in Texas shows local agents who list umbrella insurance as a product option. [Source: Progressive Agent] That means you’ll work with a licensed independent agent who is appointed with Progressive to get a quote.

The upside of this distribution model is that an independent agent can quote Progressive umbrella coverage alongside policies from other carriers the agent represents. You’re not locked into a single company for every line of coverage.

What Does Progressive’s Umbrella Policy Cover?

Progressive umbrella insurance covers bodily injury, property damage, personal injury claims, and legal defense costs that exceed your underlying auto or home liability limits.

Think of umbrella coverage as a second layer. It doesn’t replace your auto or home insurance. It sits on top of those policies and pays out only after the underlying liability limits are exhausted. [Source: Progressive]

Bodily Injury and Property Damage

If you cause an accident and the injured party’s medical bills or property repair costs exceed your auto or homeowners liability limit, your umbrella policy can pay the remaining amount up to its own limit. Progressive specifically lists medical bills for injuries you caused to others and property damage you caused to others as covered expenses. [Source: Progressive]

Personal Injury Claims

Progressive says umbrella coverage can help pay for slander, libel, and defamation claims. [Source: Progressive] These are claims that your standard auto or homeowners policy may not cover at all, or may cover only up to a low sublimit.

Legal Defense Costs

Attorney fees and court costs associated with covered lawsuits are included under Progressive’s umbrella policy. [Source: Progressive] Legal defense can be expensive even when you win. A single lawsuit defense can run into tens of thousands of dollars, and umbrella coverage helps absorb that cost.

Progressive also notes that umbrella coverage may apply to incidents abroad and to vacation rental-related liability involving items like boats, jet skis, and scooters, depending on the policy. [Source: Progressive]

What Coverage Limits Does Progressive Offer?

Progressive umbrella policies start at $1 million and are available up to $5 million, depending on your underlying policy limits and assets.

Progressive says standard homeowners and auto liability policies often top out at about $500,000. [Source: Progressive] That leaves a gap for anyone whose net worth, home equity, savings, or future earnings exceed that figure. Here’s how the available limits break down:

Umbrella Limit	Added Protection Beyond Underlying Policy	May Be Appropriate If Your Assets Exceed
$1 million	$1 million above auto/home liability	$500,000
$2 million	$2 million above auto/home liability	$1 million
$3 million	$3 million above auto/home liability	$1.5 million
$5 million	$5 million above auto/home liability	$2.5 million or more

Note: These figures are hypothetical illustrations. The right umbrella limit depends on your specific assets, income, and risk profile. Progressive recommends choosing a limit that covers assets left exposed after your underlying coverage is exhausted. [Source: Progressive]

Do You Need Underlying Auto or Home Insurance with Progressive to Buy Their Umbrella Policy?

No, you can buy a Progressive umbrella policy even if your auto or home insurance is with another carrier, as long as you meet the minimum underlying liability limits.

This is one of the most common misconceptions about umbrella insurance. Many people assume they need to bundle everything with one carrier. Progressive’s umbrella coverage is designed to sit on top of whatever qualifying auto and homeowners policies you already have. [Source: Progressive] The key requirement is that your existing policies carry enough liability coverage to meet Progressive’s minimums.

That said, your independent agent can review your current declarations pages to confirm your underlying limits qualify. If they don’t, the agent can help you adjust your auto or home liability before adding the umbrella layer.

What Are the Minimum Underlying Liability Limits for a Progressive Umbrella Policy?

Progressive does not publish one fixed nationwide minimum, but your underlying auto and home liability must typically be well above state minimums before you can qualify for umbrella coverage.

Progressive says your underlying auto and home liability should be at least the minimum required by your state, and it notes that standard policies often top out at about $500,000. [Source: Progressive] Some industry sources report that many insurers now require $500,000 to $1 million in underlying auto bodily injury limits before you qualify for umbrella coverage. [Source: Brown & Brown]

Regardless of what your state requires for auto liability, those state minimums are typically far below what any umbrella carrier will accept. You’ll almost certainly need to raise your auto liability limits well above state minimums before qualifying for umbrella coverage. Your agent will verify exact requirements at the time of quoting, since underwriting guidelines can change.

How Much Does Progressive Umbrella Insurance Cost in Texas?

Progressive says umbrella policies are “typically priced at a few hundred dollars,” and it cites a national average of $383 per year for $1 million of coverage for a person with one home, two cars, and two drivers.

That $383 figure comes from an ACE Private Risk Services estimate cited by Forbes and referenced on Progressive’s website. [Source: Progressive] Progressive notes that adding more coverage generally costs less per dollar of protection than the first million, though the exact increase depends on your risk profile. [Source: Progressive]

Progressive does not publish a Texas-specific umbrella premium on its website. The actual cost you’d pay depends on several factors Progressive lists: your location, number of homes and vehicles, driving history, accident history, and credit history. [Source: Progressive]

Worked example (hypothetical): Suppose you own a home in Spring, Texas, drive two vehicles, and have a clean driving record. Your auto liability is set at $500,000 combined single limit, and your homeowners liability is $300,000. A $1 million umbrella policy might cost you roughly $300 to $400 per year based on the national average. That works out to about $25 to $33 per month for an extra $1 million in liability protection. These are hypothetical figures for illustration only. Your actual quote will vary.

What Does Progressive Umbrella Insurance Not Cover?

Progressive umbrella policies exclude intentional acts, business liability, professional liability, damage to your own property, and your own injuries.

Progressive’s materials are clear about the boundaries. Here’s what falls outside the umbrella:

• Your own injuries or property damage. Umbrella coverage protects you from liability to others. It won’t pay to fix your car or cover your medical bills. [Source: Progressive]

• Intentional harm. If you deliberately injure someone, the umbrella policy won’t respond. [Source: Progressive]

• Criminal acts. Coverage does not extend to liability arising from criminal activity. [Source: Progressive]

• Business liability or professional liability. A personal umbrella policy won’t cover claims related to your business operations. If you’re a business owner, you’d need a separate commercial policy. [Source: Progressive]

• Damage to your home, belongings, or vehicles. Those are covered under your homeowners and auto policies, not your umbrella. [Source: Progressive]

Progressive emphasizes that coverage varies by insurer and state, and that the policy language controls in an actual claim. [Source: Progressive] Always read the policy documents before you buy.

How Do You Buy Progressive Umbrella Insurance in Texas?

Contact an independent agent appointed with Progressive, who will verify your underlying liability limits and quote the umbrella policy alongside your other coverage.

Here’s the step-by-step process:

• Gather your current declarations pages. You’ll need the dec pages from your auto and homeowners policies. These one-page summaries show your current liability limits, which the agent needs to confirm you meet Progressive’s minimums.

• Review your underlying liability limits. Progressive says standard home and auto policies typically won’t offer more than $500,000 in liability coverage. [Source: Progressive] If your limits are lower, your agent can help you increase them before adding the umbrella.

• Choose the umbrella limit you need. Progressive says a policy can be $1 million or more in coverage and recommends matching coverage to the amount of assets you want to protect. [Source: Progressive]

• Finalize through your agent. Progressive’s Texas agent directory includes agents that list umbrella insurance as a product option. [Source: Progressive Agent] Alongside Insurance is appointed with Progressive and can quote this coverage for you.

Progressive’s FAQ notes there are no net-worth restrictions to purchase umbrella insurance, though you still need enough underlying liability coverage to qualify. [Source: Progressive]

What to Check Before You Add Umbrella Insurance

Verify your underlying auto and home liability limits meet the carrier’s minimums, confirm the umbrella policy covers all your vehicles and properties, and review the cost against your total asset exposure.

The personal umbrella market is tighter than it used to be. A few data points worth knowing:

• Umbrella penetration is low. Only about 10% to 15% of U.S. households carry umbrella coverage. [Source: CRC Group] That means most families with assets above their auto and home liability limits are exposed.

• Prices are rising. Renewal pricing for umbrella coverage rose 9.26% in Q1 2025, up from 8.76% in Q4 2024. [Source: PropertyCasualty360]

• Large verdicts are increasing. Verdicts exceeding $10 million have increased more than 50% year over year, according to a 2026 market report. [Source: Brown & Brown] That trend is one reason carriers are tightening underwriting and raising underlying limit requirements.

• Lead umbrella limits have shrunk. WTW reports that lead umbrella limits fell from $20 million in 2015 to $5 million in 2024, and excess limits fell from $40 million to $10 million over the same period. [Source: WTW]

Before you add or renew umbrella coverage, run through this checklist:

• Confirm your auto liability limits. Many insurers now require $500,000 to $1 million in underlying auto bodily injury limits. [Source: Brown & Brown]

• Confirm your homeowners liability limit. Industry practitioners typically cite $300,000 as a common minimum threshold.

• List all vehicles and properties. Make sure the umbrella policy covers every vehicle you own or lease and every property you own, including rental properties.

• Calculate your total asset exposure. Add up your home equity, savings, investments, and estimated future earnings. If that total exceeds your underlying liability limits, umbrella coverage fills the gap.

• Ask about excluded activities. If you own a boat, a trampoline, or a pool, confirm those exposures are covered under the umbrella.

Alongside Insurance is an independent agency appointed with Progressive. Send us your current declarations pages or start a quote, and we’ll tell you whether umbrella insurance makes sense for your situation, in plain English, whether or not you switch.

Frequently Asked Questions

Can I buy Progressive umbrella insurance online?

No. Progressive distributes umbrella insurance through independent agents, not through its direct online or phone channels. You’ll need to work with a licensed agent appointed with Progressive to get a quote. [Source: Progressive Agent]

How much does a $1 million Progressive umbrella policy cost?

Progressive cites a national average of $383 per year for $1 million of coverage for a person with one home, two cars, and two drivers. [Source: Progressive] Your actual cost in Texas will depend on your location, driving history, and number of vehicles and properties.

Do I need to have my auto insurance with Progressive to buy their umbrella policy?

No. Progressive allows you to buy umbrella coverage even if your auto and home policies are with different carriers, as long as your underlying liability limits meet their requirements. [Source: Progressive]

What’s the maximum umbrella limit Progressive offers?

Progressive says umbrella limits are available up to $5 million. [Source: Progressive] The limit you qualify for depends on your underlying coverage and your overall risk profile.

Does Progressive umbrella insurance cover my business?

No. Progressive’s personal umbrella policy excludes business liability and professional liability. [Source: Progressive] If you operate a business, you’d need a separate commercial liability policy.

Is there a minimum net worth to buy umbrella insurance from Progressive?

Progressive’s FAQ says there are no net-worth restrictions to purchase umbrella insurance. [Source: Progressive] You do need to meet the minimum underlying liability limits on your auto and home policies.

Does umbrella insurance cover lawsuits for defamation or slander?

Yes. Progressive lists slander, libel, and defamation as covered personal injury claims under its umbrella policy. [Source: Progressive] These claims may not be covered, or may have low sublimits, under a standard homeowners policy.

How do I know if I need umbrella insurance?

Progressive suggests that if your net worth exceeds the liability limits on your existing auto and homeowners policies, umbrella coverage may be appropriate. [Source: Progressive] An independent agent can review your declarations pages and help you calculate whether your current limits leave a gap.