Personal Umbrella Insurance for Folly Beach Households
Add $1M–$10M of liability protection above your auto and home/condo/renters policies. We set the right underlying limits for South Carolina, coordinate with your coastal property or marina needs.
Why Folly Beach Residents Choose Umbrella Coverage
Coastal living, hurricane risks, beach activities, and water-related incidents increase the chance of large liability claims. If a judgment exceeds the limits on your auto or homeowners policy, an umbrella helps protect savings, home equity, and future income.
We’ll sync your base policies with carrier requirements, then add an umbrella limit that fits your household, drivers, and properties in a hurricane-prone area.
South Carolina Context: Underlying Policies & Coastal Rules
Auto Policy: Minimum vs Higher Limits
South Carolina requires minimum auto liability of $25k/$50k/$25k, but umbrella carriers typically require higher underlying auto liability—often $100k/$300k or more. If your policy is at minimums, we’ll upgrade your underlying limits to qualify.
Home/Condo/Renters Liability
Most umbrellas require at least $100k personal liability on your homeowners/condo/renters policy. We’ll also look at watercraft, pools, and other exposures common in Folly Beach.
Landlords & Coastal Owners
South Carolina law requires owners of rental properties to carry liability insurance. Your personal umbrella generally excludes business pursuits; landlords may need a landlord or commercial umbrella to sit over those policies.
Folly Beach Regulations
In Folly Beach, properties near the beach must comply with local ordinances for rentals and insurance. We’ll coordinate certificates of insurance when your lender, association, or the City asks.
Tip: Keep records for storm shutters, flood barriers, and any pet training—these can help with underwriting in coastal areas.
What Your Folly Beach Umbrella Can Cover
Auto Liability
- High-severity crashes, especially in tourist areas
- Teen drivers and multi-vehicle households
Home & Premises
- Slip-and-fall injuries on beaches or property
- Pool or watercraft incidents (subject to underwriting)
Personal Injury (policy-specific)
- Libel, slander, defamation allegations
- Some worldwide incidents within policy territory
Boating & Rec
- Excess over boat/PWC liability when underlying limits are met
- Consider yacht policies for larger vessels in SC waters
What’s Not Covered
- Intentional acts
- Business activities and most landlord exposures under a personal umbrella
- Professional services (get E&O/D&O and a commercial umbrella)
- Damage to your own property
- Vehicles/boats without required underlying limits
How Much Limit? What Does It Cost in SC?
Most Folly Beach families start at $1M–$2M. If you have teen drivers, a pool, frequent boating, or higher assets, consider $3M–$5M or more. Pricing is often a few hundred dollars per year for the first million, with additional millions costing less each.
| Exposure | Consideration |
|---|---|
| Teen drivers | Increase limits; some carriers require higher underlying auto |
| Boats / PWCs | Ensure boat liability meets minimums to be covered by the umbrella |
| Dog bite history | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Folly Beach Households
- Exposure Map — drivers, properties, pets, boats, online presence, rentals.
- Underlying Tune-Up — set auto/home/boat liability to insurer minimums.
- Limit Selection — net worth + future income + risk profile, considering coastal factors.
- Bind & Certificates — ID cards and COIs for HOAs, marinas, and local boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
