Accidents happen, and sometimes, the financial fallout goes beyond what your standard home or auto insurance will cover. Personal liability umbrella insurance provides an extra layer of protection for your savings, property, and future in the event of a major claim or lawsuit.
At Keisler Insurance Group, we help clients in Columbia and across South Carolina find affordable umbrella insurance that works with their existing coverage. As an independent agency, we partner with over 20 trusted carriers to give you flexible, high-limit options without the pressure of one-size-fits-all policies.
Call (803) 521-0807 or contact us online to speak with one of our agents about an umbrella insurance policy now.
What Is Umbrella Insurance?
Umbrella insurance is a form of excess liability coverage that can broaden your existing coverage. It kicks in when the limits of your homeowners, renters, or auto policy are exhausted, offering critical protection in situations like:
- A guest getting seriously injured on your property
- A major at-fault car accident
- A defamation or slander claim
- A lawsuit involving your child or pet
- An accident involving a rental property you own
For example, if your auto insurance covers $300,000 in liability and you’re sued for $800,000, umbrella insurance can step in to cover the remaining $500,000, protecting you from having to liquidate assets and deplete your savings.
Unlike other types of excess liability insurance, umbrella coverage can apply to multiple underlying policies and may even provide protection in situations not covered by your standard insurance.
Who Needs a Personal Umbrella Policy?
Umbrella insurance isn’t just for high net-worth individuals. You may benefit from personal liability umbrella insurance if you:
- Own a home, rental property, or pool
- Have significant savings or assets to protect
- Drive frequently or have teen drivers in your household
- Host guests or events at your home
- Own pets, especially large dog breeds
- Travel often or own vacation properties
- Serve on nonprofit or community boards
If a major liability claim were filed against you, could you cover it without hardship? If the answer is no, an umbrella policy may be a smart, cost-effective safeguard.
What Does Personal Umbrella Insurance Cover?
While policies vary, most personal umbrella insurance plans provide protection for:
- Bodily injury liability
- Property damage liability
- Legal defense costs
- Libel and slander
- False arrest or wrongful eviction
- Rental unit liability
It’s important to note that umbrella insurance doesn’t cover damage to your own property or liability related to business activities. Certain other exclusions may apply, but our team can help you understand your options and explore separate coverage where needed.
Popular Add-Ons and Custom Options
While umbrella insurance is often packaged as a straightforward add-on to your existing coverage, some providers allow for customization. Depending on the carrier, you may have options like:
- Uninsured/Underinsured Motorist Coverage extension
- Landlord liability coverage for rental property owners
- International liability coverage while traveling abroad
- Recreational vehicle coverage (boats, ATVs, etc.)
A Keisler Insurance Group agent can walk you through any optional add-ons that match your lifestyle and risks.
Need protection for your business? We also offer commercial umbrella insurance for companies that need high-limit liability coverage. Just ask! We’ll help you find the right fit.
Why Choose Keisler Insurance Group
As a local, independent agency based in Columbia, South Carolina, we offer personalized support and affordable umbrella insurance options to fit your life. You’ll get:
- Access to more than 20 top insurance carriers
- Honest guidance from agents who care about your financial well-being
- Fast, hassle-free quotes and clear communication
- Customized coverage that fits your home, vehicle, and lifestyle
- Local service backed by national expertise
We’re here to help you find peace of mind, not upsell you on unnecessary extras.
Get a Personal Liability Umbrella Insurance Quote Today
A single lawsuit could put your home, savings, and future at risk. Let Keisler Insurance Group help you stay protected with excess liability insurance that extends beyond your primary policies.
Call (803) 521-0807 or contact us online to explore personal umbrella coverage today.