Umbrella Insurance in South Carolina

There are many types of insurance that people purchase on a regular basis. However, it commonly occurs that these policies do not provide enough coverage for the realities of the lives of some individuals. Umbrella insurance is essentially extra liability insurance. It serves the major purpose of helping protect an individual from lawsuits and claims.

In this day and age, people have to deal with a very litigious society. As such, their insurance policies often have limits too low to cover what can be taken from them during lawsuits. Umbrella insurance provides these individuals with additional liability coverage that goes beyond the limits of auto, boat, and homeowner's insurance policies. When the liability of these policies has run out, umbrella insurance kicks in. Additionally, umbrella insurance will provide an individual with coverage for claims that may not be included in any other liability policies, such as slander, libel, false arrest, and liability coverage on rental units owned by the policyholder. Umbrella insurance covers events such as injuries, damage to the policyholder's property, different personal liability situations, and certain lawsuits.

Though an individual may have auto and homeowner's insurance, as well as all the other types of insurance he or she thinks is necessary, it is possible that the limits are just not high enough to provide complete coverage. This is what umbrella insurance is for. In South Carolina, the main types of umbrella insurance policies include the Personal Umbrella Policy, Commercial Umbrella Policy, and Farm and Ranch Umbrella Policy, for individuals, businesses, and farmers, respectively.

If you live in the city of Spartanburg, South Carolina, you can enlist the help of Spartanburg, SC umbrella insurance agents from Allsurance Group. Our independent insurance agents will be able to answer any questions that you may have about the applicable policies, as well as provide you with a quote for the policy that is assessed to be the best one for you.