Before you begin
Identify premises and household exposures before comparing personal-liability limits.
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Liability Limit Review
| Done | Item and purpose | Your notes |
|---|---|---|
| Current liability limit Copy it from the declarations page. | ||
| Medical payments Record the separate no-fault guest-injury limit. | ||
| Household and assets Discuss an appropriate limit with a qualified professional. | ||
| Animals Disclose dogs and other animals; check exclusions. | ||
| Pool, spa, or trampoline Record gates, covers, alarms, and carrier requirements. | ||
| Watercraft or recreational vehicles Check whether separate policies or endorsements apply. | ||
| Home business Describe visitors, inventory, equipment, and professional activity. | ||
| Rental activity Disclose tenants, home sharing, or occasional rental. | ||
| Umbrella requirements Record required underlying limits. | ||
| Exclusions Read animal, business, motorized vehicle, and intentional-act wording. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.