Conrad-Houston Insurance

What is the minimum coverage required for me to be eligible for a personal umbrella policy?

There are MINIMUM REQUIRED LIMITS OF LIABILITY and MINIMUM REQUIRED LIMITS OF AUTOMOBILE LIABILITY that you and ALL members of your household must agree to maintain during your policy period. These are outlined below, please check your current coverage to see that you qualify:

Minimum Required Limits of Liability
Homeowners or Personal Liability $300,000 per occurrence

*Unlicensed Recreational Vehicles(i.e., snowmobile, ATV, etc.) $100,000 Combined Single Limit per occurrence
-OR-
$100,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$25,000 Property Damage per occurrence

**Watercraft(including jet skis and waverunners) $300,000 Combined Single Limit per occurrence
-OR-
$300,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$100,000 Property Damage per occurrence

Minimum Required Limits of Liability
Homeowners or Personal Liability	$300,000 per occurrence
*Unlicensed Recreational Vehicles(i.e., snowmobile, ATV, etc.)	$100,000 Combined Single Limit per occurrence -OR- $100,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$25,000 Property Damage per occurrence
**Watercraft(including jet skis and waverunners)	$300,000 Combined Single Limit per occurrence -OR- $300,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$100,000 Property Damage per occurrence

Minimum Required Limits of Automobile Liability
Limit A
Required if there are drivers under the age of 22 in the household.
-OR-
$500,000 Bodily Injury per person/$500,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence
-OR-
$500,000 Combined Single Limit per occurrence

Limit B
Available option if there are no drivers under the age of 22 in the household.

-OR-
$250,000 Bodily Injury per person/$500,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence
-OR-
$300,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence
-OR-
$300,000 Combined Single Limit per occurrence

Limit C
Available option if there are no drivers under the age of 22 in the household.
The choice of limit C results in a higher premium.
$100,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence

Minimum Required Limits of Automobile Liability
Limit A Required if there are drivers under the age of 22 in the household. -OR-	$500,000 Bodily Injury per person/$500,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence -OR- $500,000 Combined Single Limit per occurrence
Limit B Available option if there are no drivers under the age of 22 in the household. -OR-	$250,000 Bodily Injury per person/$500,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence -OR- $300,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence -OR- $300,000 Combined Single Limit per occurrence
Limit C Available option if there are no drivers under the age of 22 in the household. The choice of limit C results in a higher premium.	$100,000 Bodily Injury per person/$300,000 Bodily Injury per occurrence/$ 50,000 Property Damage per occurrence

* Required only if you or a member of your household own or acquire a recreational vehicle during the policy period which is not covered by your homeowners or personal liability policy for the specified minimum limits of liability.

** Required only if you or a member of your household own or acquire a watercraft during the policy period which is not covered by your homeowners or personal liability policy for the specified minimum limits of liability.

NOTE: Coverage is not provided for watercraft exceeding 45 ft. and/or 50 mph. This exclusion does not apply to jet skis and waverunners.

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