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Even if you’re already insured, judgments from lawsuits can exceed the current liability limits on your existing underlying insurance policies, especially under serious circumstances. 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.
Serious Protection 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 not be covered under your underlying policy. Judgments could be substantial; so, personal excess liability insurance could be financially valuable and provide reassurance.
Personal excess liability coverage protects you** under the following circumstances:
- Injuries are sustained by others in your home or on your property and the damages exceed your homeowners policy’s liability limit.
- Accidents involving your automobile, boat, or recreational vehicle causing injury to a third party or loss to his/her property with the damages exceeding your underlying policy limits.
- Judgments exceed your current coverage limits.
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"Exceptional customer service. Called me back the next day with a quote. Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage. Highly recommended."
“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs. Thank you for a great experience!”
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"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"
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"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"
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"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"
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"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."
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"Trustworthy agent who really cares about his business."
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