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Personal Umbrella Liability Insurance in South Carolina

Even with home and auto insurance in place, a serious accident or lawsuit could leave you responsible for damages that exceed your coverage limits. Personal umbrella liability insurance provides an extra layer of protection, helping cover legal costs, settlements, and other liability expenses that go beyond the limits of your existing policies.


Hutson-Etherredge Companies can help find umbrella liability insurance to cover individuals and families across South Carolina who want added financial security and peace of mind.

What Does This Insurance Cover?

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Excess liability
Provides coverage when the liability limits on your home, auto, boat, or recreational vehicle insurance have been exceeded in a covered claim.

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Personal injury claims
Covers lawsuits related to libel, slander, defamation, or false arrest.

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Legal defense costs
Helps pay for legal fees and court costs, even if you’re not found liable.

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International coverage
Extends certain protections while you're traveling outside the United States.

Why You Need It

Accidents can lead to expensive lawsuits

One serious claim could exceed the limits of your auto or homeowners policy, exposing your personal assets.

Helps protect future earnings

Umbrella coverage can help safeguard your income and retirement savings from garnishment or settlement demands.

Offers broad protection at low cost

A single umbrella policy can add millions in coverage for a small additional premium.

  • Do I need to have other insurance policies to get umbrella coverage?

    Yes. Most insurers require that you carry auto and homeowners (or renters) insurance with specific limits before adding umbrella coverage.






  • How much coverage does an umbrella policy provide?

    Policies typically start at $1 million in additional liability protection, with higher limits available based on your needs.






  • Does umbrella insurance cover business activities?

    No. Personal umbrella insurance only applies to personal liability. Business-related exposures require separate commercial umbrella coverage.




Get a Quote for Umbrella Liability Insurance

Add more liability protection to your home, auto, and everyday life with umbrella liability coverage from Hutson-Etherredge Companies. One policy could make all the difference in a serious claim.


Call us today at  803-649-5141 or click below to request your free quote.