Umbrella Liability Insurance

Make sure you’re covered, no matter what life throws your way. We’ll help you set up an umbrella policy to back up your existing insurance.

 ☂ EXCESS LIABILITY PROTECTION · GREENVILLE, SC

Personal Umbrella Insurance in Greenville, SC — The Coverage Most People Skip Until It's Too Late

One bad accident, one lawsuit, one moment you didn't see coming — and your home and auto policies might not be enough. An umbrella policy picks up where they leave off, usually for less than a dollar a day.

So What Does It Actually Cover?

An umbrella policy is "excess liability" coverage — meaning it doesn't replace your home or auto insurance, it adds another layer on top of it. Once your underlying policy hits its limit, the umbrella takes over and keeps paying, up to whatever umbrella limit you choose. Here's where that tends to matter most:

What an Umbrella Policy Won't Do

It's only fair to be straight with you about the limits here too. An umbrella policy is liability coverage — it protects you when you're responsible for someone else's injury or property damage, or when you're sued. It does not cover damage to your own home, your own car, or your own belongings. It's not a substitute for adequate home or auto coverage; it's an addition to it. Most carriers also require you to carry certain minimum liability limits on your underlying policies before they'll write an umbrella over them, which is one more reason to have an independent agent check your whole picture rather than buying coverage piecemeal.

It also generally won't cover intentional acts, business liability (that needs its own commercial umbrella — different product entirely), or contractual liability you've taken on voluntarily. Your Priority Insurance agent will walk through the actual exclusions on whichever carrier ends up being the right fit, because they do vary.

Who Actually Needs This?

Short answer: more people than think they do. We hear "I don't have that much to protect" a lot, and it's almost always the wrong way to think about it. Umbrella insurance isn't really about how much you're worth today — it's about protecting your future earnings, because a judgment against you doesn't disappear just because you don't have the cash sitting around. Courts can garnish wages. They can put liens on property. They can follow you for years.

If even two or three of those describe you, it's worth getting a number. Most people who actually sit down and price it out are shocked at how cheap real peace of mind turns out to be.



How Much Coverage Do You Actually Need?

There's no single right answer here, but there's a decent rule of thumb a lot of agents use: total up your net worth — home equity, savings, investments, future earning potential if you're early in your career — and that's roughly where your umbrella limit should start. Most personal umbrella policies are sold in million increments, and million is the most common starting point. Plenty of our Upstate SC clients with a home, a couple of cars, and a comfortable retirement account land right around there.

If you've got more assets, a rental property, a boat, or a job that puts you in front of the public — physicians, attorneys, business owners, landlords — bumping up to million or more often makes sense. The jump in premium from million to million of umbrella coverage is usually smaller than people expect, because the first million is doing most of the heavy lifting in terms of risk to the carrier.

What It Actually Costs

This is usually the part that gets people to say yes. A million umbrella policy typically runs somewhere between 50 and 00 a year for most households — often less if you're already bundling several policies with the same carrier through Priority Insurance LLC. That works out to less than what a lot of people spend on a single dinner out each month, for protection that could genuinely save your financial future.

The exact number depends on a handful of things: how many homes and vehicles you're covering, whether you have a pool or trampoline, what kind of dog you own (yes, really), your driving record, and which underlying carriers you're already with. An independent agent can shop that across multiple carriers in one conversation instead of you calling around for quotes one company at a time.



How an Umbrella Policy Actually Works in a Real Claim

Say you're at fault in a car accident and the other driver is seriously injured. Medical bills, lost wages, and a settlement add up to 00,000. Your auto policy carries a 00,000 liability limit. Your insurance pays out that 00,000 — and without an umbrella, you'd be personally responsible for the remaining 00,000. With a million umbrella policy in place, the umbrella picks up that gap automatically. You don't file two separate claims or negotiate two separate settlements; your umbrella carrier coordinates directly with your auto carrier, and in many cases the umbrella also pays your legal defense costs on top of the liability limit, which is its own kind of valuable when you're staring down a lawsuit.



Why Go Through an Independent Agent for This

Umbrella insurance is one of those products where the underwriting details actually matter — what counts as an "underlying policy," what limits a carrier requires before they'll write the umbrella over it, whether your boat or rental property is even eligible. Buy it online without someone reviewing your whole insurance picture and you can end up with gaps you don't find out about until you're filing a claim, which is the worst possible time to learn that lesson.

At Priority Insurance LLC, we look at your home, auto, and any other policies together, make sure your underlying limits actually qualify for an umbrella, and then shop multiple carriers to find the best combination of price and coverage. It's one phone call instead of five, and you walk away knowing exactly what you're covered for instead of hoping you guessed right.



Bundle and Save

Serving Umbrella Insurance Clients Across Upstate South Carolina

Get a Free Umbrella Insurance Quote Today

If you've read this far, you already know whether this applies to you. Call Priority Insurance LLC at (864) 297-9744, stop by our Greenville office, or request your free umbrella insurance quote online. We'll look at what you've already got, find the gaps, and tell you straight what it would cost to close them.

Frequently Asked Questions