When Does Umbrella Insurance Actually Make Sense?
Seneca, S.C. – September 15, 2026 -- Homeowners and auto insurance policies come with liability limits that can fall short when a serious claim exceeds them, leaving policyholders exposed to significant out-of-pocket costs. HelloNation examined when umbrella insurance becomes a worthwhile addition, drawing on insights from Jared Marcengill of JB Marcengill Insurance Agency in Seneca, SC.
Umbrella coverage extends protection once primary policy limits run out
Umbrella insurance does not replace homeowners or auto insurance. Instead, it works alongside those policies, kicking in when a covered liability claim exceeds the underlying policy's limits.