Personal Liability Umbrella (PLUS) Plan
Underlying Liability Insurance Requirements




The following insurance types and amounts, as applicable, are required for your full personal liability protection with the PLUS Plan. *

The plan extends these liability limits of your underlying insurance for each occurrence, unless otherwise indicated....

Type of Liability Coverage Bodily Injury and Property Damage or Combined Single Limit**
Automobile and RV(owned, leased or rented)
Per Person
Per Occurrence
(Uninsured/Underinsured limits are the same if UMC is purchased)
$250,000
$500,000
  -
$100,000
  -
$300,000
$325,000 for Texas
Homeowner Personal Liability(for property owned or rented) -   -   $300,000
Watercraft(only required when exposure exists) -   -   $300,000
Snowmobile(only required when exposure exists)
Per Person
Per Occurrence
$250,000
$500,000
  -
$100,000
  -
$300,000
Employers
(if you employ household help on a regular basis - usually included with your homeowners liability)
-   -   $100,000
*If applicable underlying coverages are not maintained or collectible, you are in effect providing self-insurance for the types and amounts shown. Your PLUS Plan coverage begins from these amounts and is extended by the PLUS Plan amount you have selected.

**Per occurrence amount for policies which apply a single limit to bodily injury and property damage.



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