What liability limits do you all typically select? As I was shopping rates today I noticed my wife had bumped our limits up to 500k/500k at the last renewal, which likely explains why we’re paying $420/mo for two cars. I got a quote from Progressive at $220/mo for 250k/500k for both cars, but curio…

[image] AtomicDutchOven: I got a quote from Progressive at $220/mo for 250k/500k Quote the same insurer for 500/500 to see what their delta is.

Oddly Progressive doesn’t seem to offer a 500/500 option, but I’ll check with our current carrier (Chubb) if they can quote it at 250/500.

I do whatever is required as min to get an umbrella. IMO its a better use of liability limits which would then go over my home policy as well. I believe i have 300k underlying auto and then 1M umbrella for 200 bucks more a year.

Was gonna say the same. I have to have high limits for my umbrella as well. Anyone with considerable assets should have an umbrella imo

I’ve got bodily at 250/500 and property at 250

100% correct. 500/500/500 and $3 million umbrella. It does not take much of an accident to get to your policy limits and beyond. You get in a wreck and are found to be at fault for injuring a family of 4, two wage earners in their 30s and two kids? Heaven forbid the wage earners are injured and …

I assume you already know this but Chubb is geared towards high net worth folks when it comes to personal insurance, that difference is normal and worth it. They’re not going to nickel and dime on claims/service/etc. If you value this, then some competitors to check out would be PURE, Berkeley One, …

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What liability limits do you generally select?

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TypeSH January 22, 2024, 1:39am 4

Can’t remember if I bumped it up since but I used to do 100/300