The top-rated umbrella insurance agent in Charleston, South Carolina is Harrell Insurance Agency, rated 4.9 stars across 266 reviews. Other highly rated options include Pilothouse Insurance, C. T. Lowndes & Company, Taylor Agency. This directory lists 16 umbrella insurance agents serving Charleston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Harrell Insurance Agency | 2000 Sam Rittenberg Blvd #124 | (843) 572-1500 |
| 2 | Pilothouse Insurance | 1527 Sam Rittenberg Blvd | (843) 766-1318 |
| 3 | C. T. Lowndes & Company | 749 St Andrews Blvd | (843) 763-0120 |
| 4 | Taylor Agency | 147 Wappoo Creek Dr #502 | (843) 762-1805 |
| 5 | A & A Insurance | 1525 Sam Rittenberg Blvd | (843) 571-5060 |
| 6 | Covenant Insurance Group LLC | 1032 Savannah Hwy | (843) 795-0189 |
| 7 | Goosehead Insurance - GooseheadSC - Lindsay Berkey | 1184 Clements Ferry Rd Unit D | (843) 680-8920 |
| 8 | Bridge Insurance | 7 Gamecock Ave Suite 706 | (843) 974-5150 |
| 9 | Anderson Insurance Associates | 3491 Shelby Ray Ct | (843) 763-7525 |
| 10 | Dunes Insurance | 656 Ellis Oak Ave Suite 112 | (843) 737-6236 |
Harrell Insurance Agency serves the Charleston, South Carolina metro area as an umbrella insurance agent. This firm provides extra liability coverage that extends beyond the limits of standard homeowners and auto policies, helping clients protect their assets against major claims and lawsuits. Umbrella policies issued by this agency can cover legal defense costs and large settlements that exceed underlying policy limits. The agency commonly handles personal umbrella coverage for high-net-worth individuals and excess liability policies for renters in the Charleston region.
Pilothouse Insurance offers umbrella insurance agent services in Charleston, South Carolina, focusing on liability coverage that extends beyond standard policy limits. Client relationships are managed through responsive service that helps adjust coverage limits as individual needs evolve over time. Basic policy reviews and updates are provided to maintain appropriate risk protection. The company works with properties including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, property managers, and business owners in Mt Pleasant rely on C. T. Lowndes & Company for umbrella insurance agent services. The agency helps clients secure additional liability coverage beyond standard policies, offering protection against major claims and lawsuits. This tailored approach addresses the unique risks facing coastal properties and commercial operations in the area. The firm commonly assists residents in surrounding communities such as Sullivan’s Island and the greater Charleston metro region.
Taylor Agency serves homeowners, businesses, and property managers in Charleston, South Carolina, by offering umbrella insurance policies that provide extra liability coverage beyond standard home and auto limits. This additional protection helps shield assets from major claims and lawsuits, offering clients greater financial security. The agency also assists local real estate investors and landlords needing higher liability limits for rental properties. Their coverage extends throughout the Charleston metro area, including the neighboring community of Mount Pleasant.
Serving the Charleston area and surrounding Lowcountry communities, A & A Insurance provides umbrella insurance policies that offer additional liability coverage beyond standard home and auto limits. This company handles personal umbrella policies designed to protect local homeowners, vehicle owners, and renters from major claims and lawsuits. It works directly with clients to assess their individual asset exposure and determine appropriate coverage levels. For a typical job, it carefully reviews the client's existing underlying policies before layering on extra protection.
Covenant Insurance Group LLC in Charleston, SC provides umbrella insurance by offering both one-time policy setup and recurring service options to address evolving liability needs. A single umbrella policy adds an extra layer of protection beyond standard homeowners and auto coverage, safeguarding assets against major claims or lawsuits. This additional coverage is essential for residents facing risks from rental properties, recreational vehicles, or social hosting situations common in the area. Their service runs on either a one-time, scheduled, or as-needed basis depending on the policyholder’s request.
For Charleston homeowners confronting the region's active hurricane season, securing appropriate personal liability coverage is a practical concern. Goosehead Insurance - GooseheadSC, represented by Lindsay Berkey, assists local residents in understanding and acquiring umbrella insurance policies that extend protection beyond standard homeowners or auto limits. The agency focuses on identifying gaps in existing coverage, particularly relevant for properties near the coast or with recreational assets like boats. A typical engagement begins with a personal liability review and an initial assessment of current insurance limits.
As an umbrella insurance agent in Charleston, South Carolina, Bridge Insurance provides specialized liability coverage that extends beyond standard home and auto policies. It works to protect clients from major claims and lawsuits by offering an extra layer of financial security for their assets and future earnings. The agency serves local residents and businesses seeking broader risk management solutions tailored to the coastal region. As hurricane season approaches, Bridge Insurance helps clients secure additional coverage against storm-related liability issues that can arise from property damage or guest injuries.
Anderson Insurance Associates in Charleston, SC helps clients manage liability exposure through general umbrella insurance coverages. The agency specializes in adding extra liability layers onto existing homeowner and auto policies, protecting against large claims that exceed primary limits. Umbrella policies from this agent extend coverage for personal injury, property damage, and certain lawsuits. The firm serves commercial sectors needing extra liability protection, including offices, warehouses, and food service operations.
What Does an a Umbrella Insurance Agent in Charleston Cost?
The cost of an umbrella insurance policy in South Carolina typically ranges from 150 to 350 dollars per year for 1 million dollars in coverage. Premiums vary based on your driving record property value and number of insured vehicles. Higher coverage limits of 2 to 5 million dollars cost more but remain affordable relative to the protection provided. This is general information and not insurance advice.
About umbrella insurance agents in Charleston
Umbrella insurance provides extra liability coverage beyond standard home and auto policies. In Charleston South Carolina this coverage is especially important due to the high value of coastal properties and frequent tourist activity. South Carolina law requires minimum auto liability limits but an umbrella policy can protect your assets from large lawsuits.
Frequently Asked Questions
What does an umbrella insurance agent in Charleston do?
An umbrella insurance agent helps you purchase a personal liability umbrella policy that adds coverage above your existing home and auto policies. They assess your risk factors such as property value and number of vehicles to recommend appropriate coverage limits.
How much umbrella insurance do I need in South Carolina?
Most agents recommend at least 1 million dollars in umbrella coverage. In South Carolina where hurricane damage and slip and fall claims are common higher limits may be wise. Your agent can help you calculate the right amount based on your assets and liability exposure.
Does South Carolina law require umbrella insurance?
No South Carolina law does not require umbrella insurance. However if you have significant assets or face higher liability risks due to a pool trampoline or rental property an agent can explain how umbrella coverage protects you beyond state minimum auto requirements.
Umbrella Insurance Agents in Other South Carolina Cities
Aiken · Anderson · Bluffton · Columbia · Conway · Easley · Florence · Fort Mill · Greenville · Greer · Hilton Head Island · Lexington · Mt Pleasant · Myrtle Beach · North Augusta