Personal Umbrella Insurance for Mount Pleasant 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 or HOA needs.
Why Mount Pleasant Residents Choose Umbrella Coverage
Coastal living, hurricane risks, boating activities, and community events 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.
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. We’ll upgrade your policy if needed 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 flood zones, boats, and other exposures that may need scheduled underlying coverage.
Landlords & Property 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.
Mount Pleasant Regulations
In Mount Pleasant, properties in flood zones must comply with local ordinances. We’ll coordinate certificates of insurance when your HOA, lender, or the town requires them.
Tip: Keep records for safe boating courses, storm shutters, and pet training—these can help with underwriting.
What Your Mount Pleasant Umbrella Can Cover
Auto Liability
- High-severity crashes, multiple injuries, or weather-related incidents
- Teen drivers and multi-vehicle households
Home & Premises
- Flood or storm-related injuries on property
- Pool or dock 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 and crew exposures
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 Mount Pleasant families start at $1M–$2M. If you have teen drivers, a boat, hurricane-prone property, 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 |
| Flood zone property | Underwriting questions apply; prior claims can limit options |
| Rental units | Use landlord liability + commercial umbrella for business pursuits |
Our Process for Mount Pleasant 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.
- Bind & Certificates — ID cards and COIs for HOAs, marinas, and boards.
- Annual Review — adjust for new drivers, property changes, toys, or claims.
