{"id":2414,"date":"2021-07-16T09:15:33","date_gmt":"2021-07-16T09:15:33","guid":{"rendered":"https:\/\/www.vandykgroup.com\/personalinsurance\/?page_id=2414"},"modified":"2024-10-30T15:22:32","modified_gmt":"2024-10-30T15:22:32","slug":"umbrella-excess-liability-insurance","status":"publish","type":"page","link":"https:\/\/www.vandykgroup.com\/personalinsurance\/umbrella-excess-liability-insurance\/","title":{"rendered":"Umbrella\/ Excess Liability Insurance"},"content":{"rendered":"\t\t
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\"African,Mother,And,Cute,Smiling,Girl,Using,Digital,Tablet,While\"<\/p>\n

Personal Umbrella and Excess Liability Insurance Coverage<\/b><\/h2>\n

Excess liability insurance coverage<\/span>, often referred to as\u00a0umbrella excess liability insurance,<\/span> provides additional protection should a judgement against you exceed the liability limits of your existing auto or homeowner\u2019s policy. Liability insurance on a homeowner\u2019s policy cannot exceed $500,000, or $250,000 per person, while auto insurance is limited to $500,000 per accident. That coverage alone may not be enough protection in today\u2019s litigious environment. \u00a0<\/span><\/p>\n

An excess liability policy<\/span> increases your personal liability limits by one to five million dollars above your current auto, boat or home coverage and covers many items not covered in your homeowner\u2019s policy, as long as it is not specifically excluded from your personal umbrella and excess liability insurance<\/span> policy.<\/p>\n

Umbrella and excess liability insurance provides:<\/span><\/p>\n