Personal Insurance
Umbrella Insurance in Batesburg-Leesville, SC
An umbrella policy adds liability protection above your auto and home limits — usually for far less than most people expect.
Extra liability protection above your other policies
If a serious accident exceeds the liability limit on your auto or homeowners policy, you can be personally responsible for the rest. Umbrella coverage sits on top of those policies and picks up where they stop, in increments of a million dollars.
Coverage we can compare for you
- Excess auto liability
- Excess home liability
- Excess watercraft and RV liability
- Certain personal injury claims
- Legal defense costs
- Rental property liability
- Coverage for household members
- Higher limits for growing assets
What to know
Coverage details worth understanding
Who should consider one
Homeowners, households with teen drivers, people with rental property, and anyone with savings or future income worth protecting.
Underlying limits required
Carriers require minimum liability limits on your auto and home policies before adding an umbrella.
Cost relative to coverage
A million dollars of additional liability is typically a modest annual premium compared to the protection it provides.
Covers more than cars
Depending on the policy, it can extend over boats, RVs and rental properties you own.
Defense costs matter
Legal defense can be expensive even when a claim is ultimately unsuccessful.
One agency simplifies it
Because we hold your underlying policies, we can keep the required limits aligned automatically.
FAQ
Common questions
A common guideline is enough to cover your net worth and likely future earnings. We'll talk it through in practical terms.
Bundle & save
Coverage that often goes with this policy
Combining policies with one local agency can simplify your billing and often lowers your total cost.
Questions About Your Coverage?
Talk to a local agent today. We'll compare your options across multiple insurance companies.