Hi, my name’s Landon Duke, and I’m a personalized agent for the Heidi Kussurelis Agency. One of the questions that we get asked sometimes is what’s the difference between following form policy, or an excess liability policy, and a true umbrella policy. So to explain what a true umbrella policy is, is its liability coverage that sits over your home and auto. And on the true umbrella, there’s actually some additional coverage that’s not included on the underlying home and auto policy. And so if you’re sued for something like liable, slander, malicious prosecution, that type of thing, a true umbrella will drop down and cover those types of things. Whereas a following form or an excess liability policy has the same exclusions as the underlying policy. So if you’re sued for one of those types of things, you won’t have any coverage. So that’s why we generally recommend having a true umbrella policy, so you have that additional coverage on there. Landon Duke, Heidi Kussurelis Agency.

Call Heidi KussurelisInsurance in Ann Arbor MI at (734) 213-6736​