Excess personal liability or umbrella insurance policy can be a vital tool in protecting your family’s valued assets. When an accident, that you or a family member is personally liable for, exceeds the liability limits of a home or auto policy your assets become exposed to a possible lawsuit. Excess insurance can help to cover the amount of your liability above the limits on your policy. Most excess liability policies can be purchased for as little as $200 a year. Liability limits of $1 million- $5 million can be purchased. The average personal liability verdict greatly exceeds the standard $300,000 of liability insurance coverage on the typical home owner policy, making an excess liability or umbrella policy a necessity.
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