Horizontal Exhaustion

A rule for stacked policies requiring all primary coverage across years or parties to be used up before an excess layer responds. A frequent battleground in big claims.

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.