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Personal Excess Liability Coverage from GuieOne
GuideOne Insurance
1111 Ashworth Road
West Des Moines, Iowa


Personal Excess Liability Coverage

Imagine losing a million-dollar lawsuit. Would your family’s financial future be at risk? Could you afford the legal defense costs to win the case, or worse, the costs granted by the jury if you lose?

Today, Americans are suing more often and litigating a wider range of claims. They also are winning larger judgments than ever before. Due to this, most financial planners recommend buying an Excess Liability Policy as a buffer over any homeowners, auto, or other personal liability policy you have.

Important: Due to applicable state laws, certain coverages may not be available in your state. Please contact your GuideOne Insurance agent for coverage availability.


The value of a damaged car or home can be easily determined, but there is no certainty when legal judgments are involved. The worth of a life-changing injury or lost life is hard to put a price tag on, and the costs could result in the loss of your home or savings. In addition, if the award exceeds your family’s total assets, future earnings may be garnished to satisfy the settlement.

You can easily become part of a lawsuit if:

  • You have teenage drivers in your household;
  • You often have guests at your home;
  • You serve on a board of directors of a not-for-profit organization;
  • You are a member of a homeowners association; and
  • You travel often, especially out of the country.

Personal Excess Liability insurance coverage from GuideOne can alleviate these fears by offering an extra layer of protection in the following ways:

  • It extends where your personal liability applies from beyond the United States to the entire world.

  • It provides coverage for small watercraft, jet skies, or snowmobiles borrowed from someone who does not have insurance.

  • It provides for legal defense and costs in some situations, even when a lawsuit is groundless or not covered by the underlying policy.

  • You have the option of choosing either a $1 million or $2 million excess limit of liability.

To learn more about why Personal Excess Liability coverage from GuideOne is the right choice for you, contact your GuideOne Agent.

This information is only a general description of the available coverages and is not a contract. In an effort to keep your policy coverages affordable, the actual policy contains certain limitations and exclusions. Please refer to your insurance policy for the pertinent contract language and coverages. Some coverages or discounts are not available in all states.

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