Umbrella Insurance in South Carolina and Georgia

Umbrella insurance is additional coverage that protects existing limits and coverages of other policies. It also extends protection for property damage, injuries, individual lawsuits, and personal liability instances. Umbrella insurance policy comes into play as an extra layer of financial protection when your primary policies like homeowner's and auto insurance are depleted.

Purchasing umbrella insurance from a reputable and compliant insurance company in South Carolina and Georgia can give extra protection if you are sued for the assets you own, savings, investment, and future wages from garnishment. In case someone is injured on your premise, and their medical bill supersedes the liability limits of your homeowner's policy, your umbrella policy will come in and settle the remaining outstanding balance. This form of policy covers you, your spouse, and all family members residing in your household anywhere in the world.

As a North Augusta resident, it's vital to understand the types and benefits of purchasing an umbrella insurance policy to protect your financial future. Umbrella insurance policy adds a layer of protection to help you to evade financial ruins should a disaster strike. Are you seeking a policy that extends well beyond your home and auto insurance policies in North Augusta? Please speak to our experienced agents at our Hunt Insurance & Retirement Services offices and obtain credible and detailed information about an umbrella insurance policy.

What does umbrella insurance cover?

  • Personal injuries.
  • Property damage liability.
  • Landlord liability.
  • Defamation, libel, or slander.
  • Legal representation fees.
  • False imprisonment.

What is not covered under an umbrella insurance policy.

Some exceptions are not covered by umbrella insurance. These include:

  • Contractual disputes.
  • Damage to your personal property.
  • Personal inflicted injuries.
  • Business-related liabilities or losses.
  • Injuries or damages emanating from criminal activities.

Types of umbrella insurance in South Carolina and Georgia.

  • Bodily injury liability coverage: This policy covers the cost of injuries to other people in terms of settling the cost of medical bills and liability claims resulting from injuries.
  • Property damage liability coverage: It covers the cost of damages to someone else's property.
  • Owners of rental unit coverage: This policy helps to protect against liability that you may experience as a landlord in the event of a covered peril.

Contact us or visit our Hunt Insurance & Retirement Services offices in North Augusta for more information and start your insurance journey with us.