Compare / Umbrella vs Excess Liability
Umbrella vs Excess Liability
Both add limits above your underlying policies, but they trigger differently.
| Feature | Umbrella | Excess Liability |
|---|---|---|
| Sits over | Auto + home + others | One specific policy |
| Can be broader than underlying | Yes | No (follows form) |
| Typical limit | $1M–$5M | $1M+ |
| Cost per $1M | $200–$400/yr | $300–$600/yr |
Best for Umbrella
Households wanting one policy to extend many lines.
Best for Excess Liability
When you need to extend just one underlying policy.