As fall settles over the Grand Strand, life tends to get busier. Whether you’re hosting out-of-town guests for the holidays, planning weekend trips to see family, or simply enjoying the cooler weather with neighbors, your personal liability risks may increase during this season.
Unfortunately, standard home and auto insurance policies have liability limits. If an accident happens on your property or you’re involved in a serious car crash, those limits can be exhausted quickly. That is where umbrella insurance steps in.
What Is Umbrella Insurance?
Umbrella insurance provides additional liability protection beyond the limits of your existing home, auto, or renters insurance policies. It covers legal expenses, medical bills, and damage claims that exceed your primary policy limits. It also protects you against lawsuits related to slander, libel, false arrest, and rental property liability.
For example, if a guest slips and falls during your Thanksgiving gathering and the damages exceed your homeowners insurance liability coverage, an umbrella policy can help cover the rest—potentially saving you thousands of dollars in out-of-pocket expenses.
Why Fall Is an Ideal Time to Consider Umbrella Insurance
Fall in Myrtle Beach, North Myrtle Beach, and surrounding areas is a busy season for social events and travel. This increase in activity creates more opportunities for accidental injuries, property damage, or unexpected claims.
Common Fall Risk Scenarios:
Hosting large gatherings where guests could be injured on your property.
Increased traffic accidents due to holiday travel or reduced daylight hours.
Seasonal decorations or lighting that may pose slip or fire hazards.
Teen drivers heading to school events, games, or seasonal part-time jobs.
Short-term vacation rentals are becoming more popular during holiday breaks.
Each of these scenarios could lead to a liability claim that exceeds your basic policy limits. Without an umbrella policy in place, you may be forced to cover the difference out of pocket.
Who Should Consider Umbrella Insurance?
While everyone can benefit from the peace of mind umbrella insurance offers, it is especially valuable for those who:
Own multiple vehicles or properties (including vacation rentals).
Have young drivers in the household.
Regularly host guests or entertain at home.
Serve on local boards, HOA committees, or volunteer groups.
Are landlords or Airbnb hosts.
Want to protect retirement funds, savings, or investments from legal judgments.
Even if you do not fall into one of these categories, an umbrella policy is often more affordable than people think, especially considering the protection it provides.
Get Personalized Advice From Local Experts
At Moore & Associates Insurance, we specialize in helping families and individuals across Myrtle Beach, North Myrtle Beach, Conway, Surfside Beach, and the entire Grand Strand area. We take the time to understand your unique situation and provide custom umbrella insurance options that fit your lifestyle and budget.
As an independent agency, we work with top-rated insurance carriers to offer competitive rates and comprehensive coverage tailored to your needs.
Contact Us Today
Do not wait for an accident or lawsuit to find out you are underinsured. Contact Moore & Associates Insurance today at 843-839-5076 or visit our Myrtle Beach office to discuss whether umbrella insurance is right for you. Our local team is here to help you navigate coverage options and protect what matters most—this fall and all year long.
