Personal excess liability adds higher limits above your home, auto and watercraft policies.
What it generally covers
- Higher personal liability limits
- Coverage for certain claims the underlying policies may not include, when listed
- Defense costs, depending on the wording
Where gaps often hide
- Required underlying limits
- Exclusions for business activity and certain risks
- Not every residence, vehicle and boat may be scheduled
Questions worth asking
- What underlying limits are required?
- What is excluded?
- Are all my properties and vehicles included?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.