The top-rated umbrella insurance agent in Mt Pleasant, South Carolina is Mappus Insurance Agency, a Division of Afore Insurance Services, rated 5.0 stars across 654 reviews. Other highly rated options include Ridpath Insurance, C. T. Lowndes & Company, Schirmer Insurance Group, LLC. This directory lists 18 umbrella insurance agents serving Mt Pleasant.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mappus Insurance Agency, a Division of Afore Insurance Services | 421 Wando Park Blvd # 100 | (843) 763-4200 |
| 2 | Ridpath Insurance | 3520 Park Ave Blvd Suite 102 | (843) 936-1721 |
| 3 | C. T. Lowndes & Company | 966 McCants Dr | (843) 884-3159 |
| 4 | Schirmer Insurance Group, LLC | 1312 Bowman Rd | (843) 881-4707 |
| 5 | Coastal Insurance Brokers | 3405 Salterbeck St #102 | (843) 471-2621 |
| 6 | Covenant Insurance Group, LLC | 321 Wingo Way # 103 | (843) 795-0189 |
| 7 | Goosehead Insurance - A.D. Lewis | 503 Wando Park Blvd Office 205L | (843) 936-0994 |
| 8 | Insurance Company Advisors Group of Mt. Pleasant (ICA Group) | 75 Port City Lndg Suite 110 | (843) 212-6221 |
| 9 | Harbor One Insurance | 250 Mathis Ferry Rd # 200 | (843) 782-4040 |
| 10 | Gill Insurance of the Lowcountry | 800 Johnnie Dodds Blvd #101 | (843) 388-5021 |
Mappus Insurance Agency, a Division of Afore Insurance Services, serves homeowners and drivers in the Mount Pleasant, South Carolina area as a local provider of umbrella insurance coverage. This type of policy offers an extra layer of liability protection that extends beyond the limits of a standard auto or home insurance policy. By securing umbrella insurance, residents can better safeguard their assets against major claims or lawsuits. The agency specifically handles personal umbrella policies to enhance existing homeowners and auto liability limits.
Ridpath Insurance provides umbrella insurance coverage in Mt Pleasant, SC, delivering additional liability protection beyond standard home or auto policies. Its service includes helping clients review current policy limits and adjust coverage as necessary to address potential gaps in overall risk management. The company aims to simplify the process of increasing liability limits for property owners and commercial operators. Ridpath Insurance services a range of properties that includes 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.
Schirmer Insurance Group, LLC serves clients in Mount Pleasant and the surrounding Lowcountry communities, handling personal and commercial umbrella insurance needs. The agency structures policies to provide liability coverage beyond primary home or auto insurance limits. For each typical engagement, it evaluates a client’s existing underlying policies and asset exposure, then recommends a specific coverage layer to close potential gaps in protection.
Coastal Insurance Brokers in Mt Pleasant, SC provides umbrella insurance agents who can assist with either a single policy placement for an immediate need or a recurring retainer for ongoing liability protection. These policies extend coverage beyond standard auto, home, or watercraft policies, offering broader limits. Service is conducted on either a one-time basis for individuals seeking standalone coverage or on a scheduled and as-needed basis for clients with changing portfolios and annual reviews.
Covenant Insurance Group, LLC provides guidance on personal umbrella coverage that extends liability protection beyond standard home and auto policies. It serves clients in Mt Pleasant, SC, by reviewing existing insurance limits and recommending appropriate additional coverage layers to safeguard assets from major claims or lawsuits. Close of business discussions frequently address how an umbrella policy can offer critical protection during the holiday season, when increased guests and gatherings elevate the risk of accidents on residential properties.
With spring storms often bringing unexpected liabilities to homes and vehicles in Mt Pleasant, Goosehead Insurance - A.D. Lewis provides umbrella coverage that extends policy limits beyond standard homeowner and auto plans. Their agents assess individual risk exposure to determine appropriate add-on protection levels for local property owners. After reviewing existing policies and discussing liability concerns, the firm arranges for a straightforward inspection of the client’s current coverage to ensure no gaps remain before finalizing the policy terms.
Insurance Company Advisors Group of Mt. Pleasant offers general insurance guidance for property and liability needs in the Mt. Pleasant area. As an umbrella insurance agent, the company helps clients secure additional liability coverage that extends beyond the limits of standard home and auto policies. This extra layer of protection is designed for situations involving high-cost claims or lawsuits. Commercial clients can benefit from these policies including those who operate local offices, warehouses, and food service establishments in the region.
Harbor One Insurance provides residential umbrella insurance services for homeowners in Mt Pleasant, SC, covering personal liability beyond standard policy limits. The agency also supports local business owners with commercial umbrella coverage to protect commercial assets. They serve clients throughout the Mt Pleasant area. Their agents guide policyholders through initial coverage selections and remain available for follow-up consultations or policy adjustments between regular renewal visits.
Gill Insurance of the Lowcountry in Mt Pleasant, SC, is known for providing umbrella insurance, which offers additional personal liability coverage beyond standard policies. This service helps protect local homeowners and drivers in the Charleston area from large claims or lawsuits. The agency serves clients seeking broader protection for their assets and future earnings. As an expert in this field, it also specializes in securing tail coverage for professionals transitioning between insurance carriers or retiring.
What Does an a Umbrella Insurance Agent in Mt Pleasant Cost?
Typical umbrella insurance costs in South Carolina range from 150 to 300 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost 300 to 600 dollars annually. Your actual premium depends on your driving record number of properties and claims history. This is general information and not insurance advice.
About umbrella insurance agents in Mt Pleasant
An umbrella insurance agent in Mt Pleasant South Carolina can help you add a layer of personal liability protection beyond your standard policies. South Carolina law requires minimum auto liability limits of 25/50/25 but an umbrella policy can cover larger claims and legal costs. Local agents understand the coastal risks like hurricane damage and boating accidents that are common in the Charleston area.
Frequently Asked Questions
What does an umbrella insurance agent in Mt Pleasant do?
An umbrella insurance agent helps you buy a policy that provides extra liability coverage above your home and auto insurance limits. In South Carolina this policy typically starts at 1 million dollars in coverage. The agent will review your assets and risks to recommend an appropriate limit.
How much umbrella insurance do I need in South Carolina?
Most agents suggest at least 1 million dollars in umbrella coverage if you own a home or have significant savings. South Carolina does not have a state law setting a minimum umbrella limit. Your agent will consider your net worth and potential lawsuit exposure to determine the right amount.
Can I get umbrella insurance if I have a rental property in Mt Pleasant?
Yes you can add umbrella coverage to protect rental properties you own in Mt Pleasant. South Carolina landlords face liability risks from tenant injuries or property damage. An umbrella policy can cover legal defense costs and settlements beyond your rental property insurance limits.
Umbrella Insurance Agents in Other South Carolina Cities
Aiken · Anderson · Bluffton · Charleston · Columbia · Conway · Easley · Florence · Fort Mill · Greenville · Greer · Hilton Head Island · Lexington · Myrtle Beach · North Augusta