Person with umbrella walking along a rainy waterfront promenade
Umbrella Insurance

Big protection for the day everything goes wrong.

Sits above your auto, home, and boat policies and adds $1M or more in liability coverage, often for a few hundred dollars a year.

Who it's for

Built for folks like you.

South Carolina homeowners, parents of teen drivers, landlords, business owners, and anyone with assets worth protecting from a lawsuit.

What it can cover

The real-world stuff that matters.

Auto liability excess

Picks up where your auto liability ends after a serious at-fault accident.

Home liability excess

Extends coverage if someone is seriously injured on your property.

Landlord liability

Adds protection on rental properties you own across SC.

Personal injury claims

Libel, slander, and false-arrest type claims that aren't on a regular policy.

Defense costs

Lawyer fees, even if the suit turns out to be groundless.

Worldwide coverage

Liability follows you on vacation, not just in South Carolina.

Why Garcia Agency

Independent. Local. Honestly on your side.

We shop multiple carriers

We're independent, so we compare a dozen+ carriers to land you the right coverage at the right price, not whatever a captive agent has to sell.

Real South Carolina agents

Based in Greenville, serving the Upstate and the rest of SC. You'll talk to a person, not a call-center script.

Easy to actually reach

Call, text, or email. We respond fast during office hours and follow up like real humans.

Service area: Greenville, Anderson, Spartanburg, Columbia, Charleston, Myrtle Beach, Rock Hill, and the rest of South Carolina.

FAQ

Common questions, straight answers.

Ready to compare rates?

One quick form. We'll shop the carriers and get back to you fast.