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Extra Layer of Protection: Understanding Umbrella Insurance

Coverage Enhancement with Umbrella Insurance

In the beautiful state of South Carolina, living life to the fullest demands a comprehensive protection plan. Umbrella insurance enhances the coverage levels of your existing policies, and at South Carolina Federal Insurance Solutions, we can help you understand your options.

Understanding Umbrella Insurance

Umbrella insurance is a unique product that offers an extra layer of liability protection in addition to the coverage already provided by your existing insurance policies. It is triggered only after the coverage of the other policies has been exhausted. Umbrella insurance may add coverage that your underlying policies don’t! Imagine it as your safeguard on a rainy day, just  like carrying an umbrella.

The Assurance Umbrella Insurance Brings

When purchasing insurance policies for your home, or boat, most people hope that they never have to use them. However, if an accident occurs, you pay your deductible and trust that the coverage you bought will handle any claims made.

But what if the coverage isn’t sufficient? What if you’re involved in a car accident and the other driver sues you for damages above your primary liability limits? Lawsuits are common in our society and can be very costly. If you’re found to be at fault, you’d be financially liable for the difference, putting you at risk of losing everything you’ve worked for over the years. This realization underscores the peace of mind umbrella insurance can provide, knowing that you have more coverage.

Discovering Your Options

Our experienced independent insurance advisors can review your current policies and help you understand the available coverage options offered by an umbrella policy. We can explain what it covers and what it doesn’t so that you can decide if it’s worth buying in your situation.

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