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What does excess mean in home insurance?
I was looking over my home insurance policy and noticed the word excess mentioned several times. I don’t really understand what it means. What is the meaning of excess in home insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s important to know what your
home insurance
covers, so it’s great you’re looking over your policy. Excess in a home insurance policy can have many meanings, depending on your location and policy. In the US, excess in a policy typically refers to an additional policy or coverage. If you have an excess policy, it will provide coverage after you’ve exhausted your standard policy limits.
For example, if you have $250,000 worth of coverage and the damage to your home is $300,000, an excess policy, or umbrella policy, would cover the additional $50,000.
As the definition of excess varies, it’s best to contact your home insurance company. An agent can help you understand the terms and conditions within your policy to ensure you know what coverage you have.
If you have any additional questions about coverage or need more help, download
Jerry
. Jerry’s experienced and friendly team of agents are here to answer your questions and provide advice on the best coverage options. View full answer
- Gregory R.
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