COVID-19 Announcement

Correll Insurance Group is committed to the health and safety of our associates and clients as we face these uncertain times with the spread of COVID-19. Our offices are open for business, but please keep in mind that we can always be reached via telephone or email. If you need to make an insurance payment, please consider either paying online or mailing a payment. We believe that social distancing is just another vital tool in preventing the spread of this virus. We are committed to protecting what matters most in our communities.

Don’t Get Caught Unprepared — Why Umbrella Policies Make Sense

If you have homeowners and auto insurance, or any other combination of personal insurance policies such as condo insurance, more than likely your independent insurance agent will recommend considering adding umbrella coverage as a secondary policy. Umbrella policies cover additional liability over and above what your primary policies cover. In today’s litigious environment, the liability protection they provide makes sense for many policyholders.

What does umbrella insurance cover?
Umbrella insurance will cover you if you face liability for property damage or injury to yourself or others and associated legal defense costs. The umbrella policy covers liability that exceeds the amount of your primary policies.

For example, if you have a homeowners policy that includes up to $500,000 in liability, an umbrella policy would kick in if you were at fault in an accident in which the victim was awarded more than $500,000 in damages. This is why umbrella insurance is also called excess liability insurance.

How much does umbrella insurance cost?
Besides the protection and peace of mind umbrella insurance provides, perhaps its best feature is how affordable it is. While rates vary depending on your claims history, where you live and other factors, $1 million of umbrella coverage can cost less than $200 a year (less than $17 a month).

How much umbrella coverage should you have?
This depends largely on the value of your assets, any investments, your income, and future earning potential. Your assets and income are at risk in a lawsuit. It is important to consider what kinds of risks you face as well as the value of your assets and the potential loss of income you might face in the event of an accident in which you are found liable.

If you would like to discuss whether you need an umbrella policy, call us today. We will review your current coverages and deliver several options for you to consider.

Contact Us

Find A Local Agent

Looking for a trusted insurance partner you can count on? Look no further. Correll Insurance Group is here to serve you as we have served many generations throughout the Carolinas over the past 80 years. Our teams of independent insurance agents look forward to providing competent, competitive, and caring service that’s also convenient for you or your business.


Adams, Eaddy & Associates

Columbia, SC
(803) 254-9404
branch details

Carter Glass Insurance Agency

Raleigh, NC
(919) 747-4673
branch details

Cashiers Insurance Agency

Cashiers, NC
(828) 743-2209
branch details

Chandler Insurance

Simpsonville, SC
(864) 232-1591
branch details

Citizens Insurance Agency

Anderson, South Carolina
(864) 226-0354
branch details

Correll Insurance Group of Bluffton

Bluffton, SC
(888) 668-8082
branch details

Correll Insurance Group of Gaffney

Gaffney, SC
(864) 489-5788
branch details

Correll Insurance Group of Hilton Head

Hilton Head Island, SC
(888) 668-8082
branch details

Correll Insurance Group of Inman

Inman, SC
(864) 472-2129
branch details

Correll Insurance Group of Rock Hill

Rock Hill, SC
(803) 324-2984
branch details

Correll Insurance Group of Spartanburg

Spartanburg, SC
(864) 583-5445
branch details

Correll Insurance Group of Summerville

Summerville, SC
(843) 486-8711
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Correll Insurance Group of Union

Union, SC
(864) 429-8819
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Fields Insurance

Columbia, SC
(803) 708-3775
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Gardner Associates Insurance

Columbia, SC
(803) 978-2000
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J. Mark Bowery Insurance

Kingsport, TN
(423) 288-8347
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Jerome and Summey Insurance Agency

Brevard, NC
(828) 884-4161
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John T. Cook & Associates – Loris

Loris, SC
(843) 756-7460
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John T. Cook & Associates – Myrtle Beach

Myrtle Beach, SC
(843) 626-9491
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Landrum Insurance Agency

Landrum, SC
(864) 457-3328
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Lowcountry Insurance Services

Beaufort, SC
(843) 522-2020
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The Phoenix Company

Winston Salem, NC
(336) 765-9332
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SFI Group - Sneads Ferry

Sneads Ferry, NC
(910) 327-3388
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SFI Group - Surf City

Surf City, NC
(910) 329-4443
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United Insurance Agency

Laurens, SC
(864) 984-4548
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