Personal insurance
Excess Liability Insurance
Higher limits when a claim outgrows your policy.
What it is
Excess liability raises the ceiling on the liability coverage you already carry. If a judgment exceeds your home or auto limits, excess coverage can pay the difference.
Every policy is different, and exact coverage depends on the insurance company and the options you choose. We’ll walk you through the details before you buy.
What we can help you cover
- Extends the limits of your underlying home and auto policies
- Generally follows the terms of the policy beneath it
- A cost-effective way to protect savings and future earnings
- We explain how it differs from a broader umbrella policy
Quick quote
Pick your quick quote form
Choose the quick quote form that best matches your excess liability needs, or call or text us and we’ll help you start.
- Home quick quoteHomes, condos, rentals and other residential property.Start (opens in a new tab)
- Auto quick quoteCars, motorcycles, RVs, boats and other vehicles.Start (opens in a new tab)
- Flood quick quoteFlood coverage for homes and personal property.Start (opens in a new tab)
- Business (general liability) quick quoteLiability and package coverage for most businesses.Start (opens in a new tab)
- Workers' compensation quick quoteWorkers' compensation for your team.Start (opens in a new tab)
- Gym & fitness quick quoteGyms, fitness centers and training businesses.Start (opens in a new tab)
FAQ
Frequently asked questions
What does Excess Liability Insurance typically cover?
Excess liability raises the ceiling on the liability coverage you already carry. If a judgment exceeds your home or auto limits, excess coverage can pay the difference. Exact limits, deductibles and exclusions depend on the policy and the insurance company, so we review the details with you before you buy.
Do you only insure people in Raleigh or North Carolina?
Our office is in North Raleigh, and we work with neighbors across the Triangle every day. As an independent agency we also help clients nationwide when we have markets that fit.
How do I get a quote for excess liability coverage?
Start the quick quote form on this page, call or text our office, or request a quote online. An advisor reviews every request and follows up — usually within one business day.
Will you compare more than one insurance company?
Yes. Shadow Lake is an independent agency, so we shop multiple top-rated carriers for you instead of selling a single brand. Availability depends on the coverage, your location and underwriting.
Is flood damage included in a standard homeowners policy?
Usually not. Most homeowners and renters policies exclude flood. If you need flood coverage in North Carolina or elsewhere, we can help you look at separate flood options.
Can I bundle home and auto?
Often yes. Many households save time and may qualify for multi-policy discounts by placing home and auto with compatible carriers. We’ll tell you what options apply to your situation.
Excess Liability Insurance near you
Our office is on Six Forks Road in North Raleigh, and we help households and businesses across the Triangle and nationwide.