Following Form

An excess policy that adopts the exact terms of the policy beneath it. If the underlying covers it, so does the excess — no broader, no narrower.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.