Umbrella Insurance in Wichita Falls, TX – Montoya Insurance Group, LLC

Why Umbrella Insurance Matters in Wichita Falls

Accidents can happen at any time — and sometimes the financial fallout goes far beyond what your home or auto policy will cover. That’s where umbrella insurance steps in. This extra layer of protection extends your liability coverage, helping you safeguard your savings, property, and future.



At Montoya Insurance Group, LLC, we provide umbrella insurance for Wichita Falls families and business owners who want peace of mind knowing they’re protected when the unexpected happens.

A family is moving into a new home carrying boxes.
A man is standing next to a woman and a man in an empty room.

What Our Umbrella Insurance Covers

Umbrella insurance goes beyond standard policies, offering coverage for:

  • Excess Liability – Extra protection above home, auto, or business policy limits.
  • Personal Injury Claims – Coverage for defamation, libel, and slander.
  • Legal Defense Costs – Helps pay attorney and court fees in covered lawsuits.
  • Property Damage Liability – Covers damage you may cause to someone else’s property.
  • Medical Liability – Protection for high medical or rehabilitation expenses after an accident.
  • Broader Protection – Coverage for claims that may be excluded in other policies.
A man and a woman are sitting on a couch in a living room watching tv.

When Is Umbrella Insurance Needed?

Umbrella coverage is especially valuable for:

  • Homeowners with higher-risk property features (like swimming pools or rental homes).
  • Families with Teen Drivers who may face higher accident risks.
  • Business Owners needing extra liability protection.
  • Boat, RV, and Motorcycle Owners who want extended coverage beyond standard policies.

Local Risks to Consider in Wichita Falls

  • Rising Medical Costs – Serious accidents can lead to overwhelming expenses.
  • Lawsuit Risks – Auto collisions on Kell Freeway or accidents on your property could result in costly claims.
  • Extra Assets to Protect – Higher income, multiple properties, or valuable vehicles may need stronger protection.
Extra Protection, Extra Peace of Mind

Get the Right Umbrella Insurance in Wichita Falls, TX

At Montoya Insurance Group, LLC, we make umbrella insurance simple. Whether you want to protect your home, family, business, or lifestyle, our team will help you choose the right amount of coverage to keep you financially secure.