Personal Liability Protection

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Personal Liability Protection


Personal Excess Liability Policies

Add another layer of protection to your life. Even if you're already insured, judgments from lawsuits can exceed your current liability limits on your existing underlying insurance policies, especially under serious circumstances. Personal excess liability policies provide coverage for non-business liability claims that are not covered by your other insurance policies, such as defamation of character, libel, slander, and false arrest.

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Serious Protection at an Affordable Price

The more assets you own, the more vulnerable you can be. Legal costs to defend a suit may not be covered under your basic insurance policy, so personal excess liability insurance can be financially valuable in addition to offering you peace of mind. 

Similar to “umbrella insurance”, personal excess liability coverage protects you under the following circumstances:

  • Injuries are sustained in your home or on your property 
  • Accidents involve your automobile, boat, or recreational vehicle 
  • Judgments exceed your current coverage limits 
  • Lawsuits are common, and judgments can be substantial. 

Get a quote > or call 1-800-422-4272

Why MetLife

Need Service?

Need to protect your family on the go? Once you've decided on your customized auto coverage option, our expert agents will provide 24/7 personalized support for your entire family.

Did You Know?

If you need legal defense for a claim, a personal excess liability policy could cover:

  • Substantial legal fees and court costs, which may not covered by a basic policy.
  • Lost wages of up to $100 per day, if you are asked to appear at a hearing or testify in court (maximum total of $5,000).
  • Interest on unpaid judgments or premiums on appeal bonds
  • Additional expenses you may have incurred during the legal process



How Does a Personal Excess Liability Policy Work? 

Here’s an example of how personal excess liability coverage can protect against future financial hardships thanks to unforeseen circumstances. 

Find the right insurance today.

1. Savings are based on our 2019 countrywide research of new call center MetLife Auto & Home customers’ average annual combined auto and home insurance savings in 2018. Statistics do not reflect sales of the product sold on MetLife Auto & Home MyDirect® nor products of other insurance companies. 

2. See policy for restrictions.

3. Subject to deductible and state availability. See policy for restrictions. Does not apply to leased, substitute, or non-owned autos. Applies within the first 12 months, or first 15,000 miles of ownership, whichever comes first.

4. Subject to deductible and state availability. See policy for restrictions.

MetLife Auto & Home is a brand used by Metropolitan Property and Casualty Insurance Company (a MA licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, MetLife Auto & Home Insurance Agency, Inc., Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. The Farmers Insurance Group® has purchased all the entities described above. Farmers did not purchase Metropolitan General Insurance Company.

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