Definition
Excess liability provides additional coverage above your homeowners policy limits. It's cheap insurance against catastrophic liability claims.
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Excess liability policies provide additional coverage for claims exceeding homeowners policy limits. These policies require homeowners policies as primary coverage. Excess liability is cost-effective when primary coverage is inadequate. Coverage ranges from $1 million to $5 million or more.
Pro Tip
Excess liability is highly cost-effective. Compare coverage amounts to your net worth.
Example
Excess liability coverage of $2 million provides protection for claims exceeding $500,000 homeowners limit.