Most Southeast umbrella carriers require you to carry these minimum underlying limits before an umbrella will bind: 250/500/100 on auto ($250,000 per person bodily injury / $500,000 per accident / $100,000 property damage), $300,000 minimum on homeowners liability (Coverage E), $300,000 minimum on watercraft, and $300,000 minimum on recreational vehicles like RVs, ATVs, and side-by-sides. Short-term rental units must be scheduled on a landlord or DP-3 policy with $500,000 liability minimum.
Because most Southeast state minimums are far below these umbrella requirements — Florida requires only 10/20/10 with no bodily injury liability at all, and Louisiana requires only 15/30/25 — most drivers must upgrade underlying auto liability substantially before qualifying for umbrella. See the full underlying limit checklist for each state at Mississippi, Alabama, Tennessee, North Carolina, and Georgia. For a general primer see III.org umbrella coverage. Get a quote at bridgewayins.com/quotes or call (877) 418-2484.
