Required underlying limits
Personal liability (home)
$300,000 personal injury and property damage
If you do not maintain the minimum limits as summarized, you may have a gap in coverage, and in some instances, the excess liability coverage will not apply.
The Group Personal Excess Liability policy requires that you and your family members maintain minimum primary underlying liability insurance limits for exposures, which apply to insureds under this policy.
This includes all vehicles and watercraft you or your family members own, or rent for longer than 60 consecutive days, or have furnished for longer than 60 consecutive days.
$250,000/$500,000 or $300,000/$300,000 bodily injury and $100,000 property damage; or $300,000 combined single limit
Registered vehicles (including motorhomes)
$300,000 bodily injury and property damage
Unregistered vehicles
$500,000 bodily injury and property damage
Watercraft 26’ up to 42’, or >50 hp up to 300 engine rated hp
$300,000 bodily injury and property damage
Watercraft <26’ and <50 horsepower
$250,000/$500,000 or $300,000/$300,000 bodily injury or $300,000 combined single limit
Uninsured motorist/Underinsured motorist