Personal Liability Umbrella Insurance

You probably know that personal lawsuits have become increasingly common. For cases involving injury or property damage, courts are awarding larger settlements than ever before … sometimes reaching into the millions of dollars.

Even when the damage or harm was unintentional, you and your family could face devastating financial consequences from such a lawsuit. And remember: you don’t have to be a millionaire to be sued like one!

Don’t think it could happen to you? Actually, it could if you own a car or home, or enjoy golfing, boating, camping or hunting, or if you are involved in an organization outside of our profession, you could be especially at risk.

Because of its function, umbrella insurance “covers” you where your home or auto insurance liability coverage leaves off, paying for items like medical bills, lost wages, legal fees, and property damage.

With umbrella insurance you’ll have financial catastrophe protection and psychological comfort just when you need it most.

Who needs an umbrella policy?

Most likely, you do! If your assets exceed your insurance coverage, you’re not fully protected and should consider purchasing an umbrella policy.

Follow these steps to see if you need an umbrella policy:

  1. Add up your assets. Include savings, your home’s value, stocks and bonds, retirement monies, 401k funds and the like.
  2. Check your insurance policies for liability coverage limits. If your current limits aren’t large enough to cover your assets, you need an umbrella policy.
  3. Contact us to get a free no obligation umbrella rate quote!

We can provide you and your family with very affordable umbrella liability coverage designed to cover your specific needs up to $5,000,000. As a result, you’ll be protected even in the event of the unthinkable.



The Hoylen Agency is very awesome. They are always on time, they answer all my questions, each one of the employees is very nice and patient. I really enjoy talking to Staci and all the rest of the employees. They make me feel comfortable and I enjoy talking to them. Nationwide makes sure you are protected in every and way and like they say, they’re always on your side.

CindyFlorence, SC

My family depends on The Hoylen Agency for all of our insurance needs. All of the staff members are always friendly and willing to go the extra mile to ensure I am taken care of. I have known and done business with Billy Hoylen for many years and I have the utmost trust in him and his staff.

KennethFlorence, SC

My experience with The Hoylen Agency has been Great. The service they provide for me and my family has been Excellent and the staff is outstanding. They make me feel like Family. I would highly recommend their service to anyone. Thanks for all that they do!

RickyFlorence, SC

We purchased insurance from The Hoylen Agency several months ago and were pleased and impressed by the level of customer service we received there. Everyone was friendly and eager to help answer our questions. The agents were knowledgeable and helpful in making sure we had the coverage we needed. I would recommend them to anyone looking for insurance assistance.

TerryFlorence, SC

I have been a long term customer of the Hoylen agency. Approaching 30 years at this point. The customer service has been above and beyond my expectations from every aspect. From claims, billing issues everything has been treated to my complete satisfaction. It is rare to find any entity that offers this.

KyleFlorence, SC

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We shop a variety of carriers to find the right fit for you.


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We shop a variety of carriers to find the right fit for you.