Umbrella Insurance
Services

Umbrella insurance extends beyond your standard policies, providing additional protection for:

• Bodily Injury Liability Covers medical expenses if someone is injured on your property, at your pool, or in an accident involving your vehicle.
• Property Damage Liability Helps pay for damages if you cause significant property loss, such as a car accident beyond your auto policy limits.
• Legal Fees & Lawsuits Provides coverage for legal defense costs and settlements in case of a lawsuit against you.
• Personal Liability Protection Covers claims such as defamation, false arrest, or other personal liability cases.

Umbrella insurance is valuable for anyone looking to protect their assets and financial security. It’s especially important if you:

• Own a home, rental property, or valuable assets
• Have a swimming pool, or high-risk amenities
• Host guests frequently or entertain at your home
• Own a boat, ATV, or recreational vehicle
• Have teenage drivers in your household
• Want extra protection from large liability claims

• Severe Car Accident If you cause a major accident and the damages exceed your auto insurance limit, an umbrella policy covers the remaining costs.
• Dog Bite Lawsuit If your pet bites someone and they sue for medical bills, umbrella insurance helps cover legal fees and settlements.
• Homeowner Liability A guest slips and falls on your property, sustaining injuries. If their medical bills exceed your homeowner’s insurance limit, umbrella coverage kicks in.
• Watercraft Accident You accidentally crash your boat into another vessel, causing significant damage. Your umbrella policy covers costs beyond your boat insurance.

At Coastal Shield Insurance, we help you stay prepared for life’s uncertainties by offering:

• Tailored Coverage Policies designed to fit your lifestyle and financial needs.
• Top-Rated Carriers We work with multiple providers to find the best rates and coverage options.
• Expert Guidance Our team ensures you understand your policy and how it protects you.
• Local & Reliable Service Serving North Carolina, South Carolina, and beyond with a customer-first approach.

Accidents and lawsuits can happen at any time, and the financial consequences can be devastating. An umbrella insurance policy provides an added layer of protection, ensuring you and your family remain financially secure no matter what life throws your way.