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Excess Liability Insurance

Excess liability insurance protects you from what could be devastating financial loss if someone is injured in your home or automobile and wins a legal judgement against you.  While you may already have liability coverage under your auto and/or homeowner’s policy, excess liability insurance increases that protection substantially. In order to purchase an excess liability policy, you must first have basic personal liability coverage under a homeowner’s and automobile policy.

Benefits of Excess Liability Insurance

• Coverage against injury or property damage caused by you, your family, or a named insured.
• Funds to assist with legal defense costs.
• Protection against claims arising from slander, wrongful eviction, false arrest, and libel.
• Additional protection for liability not covered by your base policy.

Features of an Excess Liability Insurance Policy

• Premium discounts for owning multiple policies with the same insurer.
• Option to reduce your out-of-pocket premium by increasing your deductible. 
• Twelve-month policy renewal periods.

Element to Consider

Your premium may increase or your eligibility for policy renewal could be jeopardized based on claim experience.

The insurance industry and market conditions are ever-changing. Wachovia, through its insurance affiliates, is working towards a home insurance solution that will meet your needs. Please check back with us soon.

If you are a current policy holder, please contact your insurance company directly for any questions or service needs.

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