Charleston, South Carolina – November 09, 2026 – PRESSADVANTAGE –
Insure Kiawah, the coastal South Carolina insurance practice operated by Maury Donnelly & Parr, has published a new educational article explaining why umbrella insurance matters for owners of high-value coastal homes. The resource addresses a common gap in personal protection: owners of high-value coastal properties often have more at stake than the liability limits built into standard home and auto policies are designed to cover, and many homeowners remain unfamiliar with how this additional layer of coverage works.
The article is offered as a free public resource for homeowners across Charleston, Kiawah Island, Seabrook Island, Hilton Head, Isle of Palms, and Sullivan’s Island. Rather than functioning as a sales tool, it is written in plain language for readers with no insurance background and defines key terms as they appear.
The guide begins by explaining what Umbrella Insurance is: an additional layer of personal liability coverage that sits on top of the limits provided by standard policies such as homeowners, auto, and watercraft insurance. Liability coverage pays for claims when a policyholder is held responsible for injury or damage to others. The article describes how an umbrella policy supplements, rather than replaces, existing policies, and notes that insurers typically require underlying home and auto policies to carry specific minimum liability limits before umbrella coverage applies.
The resource also outlines why coastal and high-value homeowners in particular may want to consider this coverage. It explains that properties featuring pools, docks, frequent guests, household employees, rental arrangements, young drivers, or watercraft can carry greater liability exposure than a standard policy anticipates. Watercraft receives special attention, as coverage can vary based on a vessel’s size, horsepower, and ownership. The article clarifies that umbrella policies address liability and do not cover property damage from floods or hurricanes, which require separate property coverage.
The final section guides readers on what to ask an agent, including how to determine an appropriate umbrella limit based on assets and activities, how to confirm underlying policy requirements, and how to review terms and exclusions, which vary by insurer.
“Many homeowners in coastal communities do not realize how quickly a liability claim can exceed their standard policy limits,” said Robert Phelan, Property & Casualty Insurance Advisor at Maury Donnelly & Parr. “This article was written to help them understand their options and ask the right questions, whether or not they ever decide to work with this agency.”
Phelan, who has more than 35 years of experience in property and casualty insurance, noted that the article reflects the questions homeowners most often raise when reviewing their coverage.
Insure Kiawah, operated by Maury Donnelly & Parr, Inc., is a South Carolina-based insurance agency specializing in high-value home insurance and builders risk insurance for coastal communities. The agency is licensed nationwide and maintains direct appointments with top-rated insurers including Pure, Chubb, Cincinnati, Berkley One, AIG, and Vault, and also provides access to surplus lines and specialty markets. In addition to high-value home and builders risk coverage, the agency offers home, auto, flood, and valuable items insurance solutions across coastal South Carolina.
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For more information about Maury Donnelly & Parr, contact the company here:
Insure Kiawah
Robert Phelan
(843) 819-3304
Robert-Phelan@mdpins.com
3690 Bohicket Road, Suite 2C
John’s Island, SC 29455
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