Excess liability coverage

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Updated: 3/27/2003 1:09 pm
If you're worried about expenses that exceed the liability limits of your current insurance policy, you might be interested in excess liability coverage. Also known as an umbrella policy, excess liability basically extends the coverage of your boat, auto, and homeowner's insurance. In other cases, it may cover liabilities such as slander, libel, false arrest, or wrongful eviction. If you incur legal fees and associated court costs, your excess liability insurance may cover the expense. And its generally considered worldwide coverage, which means you'll be protected no matter where you travel. Your insurance company may require that you already have a certain amount of primary insurance before you're eligible for excess liability. Remember, there may be certain exclusions associated with your excess liability coverage, so consult an insurance professional in your area for more information about specific policies.

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