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Umbrella or Excess Liability

The Benefits of Excess Liability Insurance

Your auto or homeowner’s insurance has a provision for liability. That means your insurer will provide assistance should you find yourself facing a liability claim. But there’s a chance that your existing liability may not be enough to cover what you need. You can purchase excess liability insurance to get the extra coverage that you need.

Your insurer might refer to excess liability as umbrella insurance. When you have a policy, you don’t have to worry about paying the total expense related to a liability claim on your own. If a visitor is injured while visiting you, your homeowner’s insurance will pay related expenses if the person sues. But if your homeowner’s policy falls short, then your excess liability will help pay the rest up to your limit.

If you’re court-ordered to pay $20,000 in damages, then your homeowner’s policy will pay up to its limit. So if the limit is $10,000, that means you’re responsible for the remaining $10,000. Excess liability will pay that amount provided you have enough coverage. Otherwise, it will pay up to the limit that you carry.


The policy can pay for medical bills, lost wages, and medical treatment. It can also pay some or a portion of your legal fees if the case goes to court. In short, the policy will help keep you from shouldering the expense all on your own. This can save you thousands of dollars worth of expenses and fees.