Umbrella Insurance

An extra layer of liability protection above your home and auto policies, essential for families with assets to protect.

When a serious liability claim exceeds your homeowners or auto policy limits, an umbrella policy picks up where they leave off. Harbor Point Insurance recommends umbrella coverage for Charleston families with significant assets, investment properties, waterfront homes, or teenage drivers. Umbrella policies provide an additional $1 million to $5 million in liability coverage at a remarkably low cost relative to the protection they offer. In a litigious environment, especially one where property values and medical costs continue to climb, umbrella coverage is not a luxury. Our agents review your existing policies to identify gaps and recommend the right umbrella limit for your situation.

What's Included

$1M to $5M coverage options
Covers home, auto, and boat liability
Protects assets and future income
Affordable annual premiums

Umbrella Insurance Service Areas

We provide umbrella insurance services across the Charleston area and Lowcountry.

Frequently Asked Questions

Who needs umbrella insurance?

Anyone with assets worth protecting. If you own a home, have savings or investments, own rental property, have a pool or trampoline, or have a teenage driver, an umbrella policy provides critical protection against lawsuits that exceed your base policy limits.

How much does umbrella insurance cost?

A $1 million umbrella policy typically costs between $200 and $400 per year, making it one of the most cost-effective forms of insurance available. Higher limits are available at proportionally modest increases.