Personal Excess Liability Policies
A personal excess liability policy can provide increased coverage limits beyond what's in your underlying auto and home policies. This additional coverage limit could help you be more prepared for the unexpected and can prevent you from needing to rely on your valuable assets to pay for judgments above your policies' underlying limits.
Even if you’re already insured, judgments from lawsuits could exceed the current liability limits on your existing underlying insurance policies, especially if the injured party’s damages or injuries were substantial. Personal excess liability policies provide coverage for non-business liability claims, such as defamation of character, libel, slander, and false arrest, that are not covered by your other Farmers GroupSelect insurance policies.
Additional Coverage and Higher Limits at an Affordable Price
The more assets you own, the more vulnerable you could be. Lawsuits are common and legal costs to defend a suit may be capped to the limits of your underlying policy. Judgments could be substantial; so, personal excess liability insurance could be financially valuable and provide reassurance.
Personal excess liability policies are designed to provide coverage** under the following circumstances, when:
- Injuries are sustained by others in the insured’s home or property and the damages exceed the underlying homeowners policy’s liability limit
- An accident involving the insured’s automobile, boat, or recreational vehicle causes injury to a third party or loss to his/her property with the damages exceeding the insured’s underlying policy limit.
- Judgments exceed the insured’s current coverage limits.
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*Savings based on the average nationwide annual savings in 2021 reported by new customers who called the Farmers GroupSelect employee and affinity member call center, switched their insurance to a Farmers® branded insurance policy issued through the Farmers GroupSelect employee or affinity member program, and realized savings. Potential savings vary by customer and may vary by state and product. Statistics do not reflect sales of products sold on Agent360SM.
**In the event of any conflict between coverage descriptions on this page and the policies themselves, the policy language prevails. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local representative or the company.
Advertisement produced on behalf of the following specific insurers seeking to obtain business for insurance underwritten by Farmers Property and Casualty Insurance Company (a MA licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company, Farmers Direct Property and Casualty Insurance Company (CA Certificate of Authority: 1669-1; Warwick, RI), Farmers Group Property and Casualty Insurance Company (CA COA: 2460-4; Warwick, RI), or Farmers Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local representative or the company.