Excess liability and umbrella liability are often referred to in the same context. Both policies provide additional liability limits above the primary insurance policies (these are considered underlying coverage). The common primary policies that an excess or umbrella policy sit over are; personal auto, homeowners, landlord and recreational vehicle. Additional coverages may be considered for underlying coverage, subject to the carriers’ guidelines. However, the excess coverage and umbrella coverages are very different.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder