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Third number: Property damage liability maximum for one accident. For example, if you live in California, the minimum liability limits are $15,000 for injury liability for one person, $30,000 for all injuries and $5,000 for property damage in an accident. State by state insurance minimum requirements in thousands2: Alaska: 50/100/25. Alabama: 25/50/25.
What are the limits in the standard homeowners policy? [Note: this answer is based on the Insurance Services Office's HO-3 policy.] Coverage A and B cover your dwelling and other structures on the premises on an âall risksâ basis up to the policy limits. You set the limit for Coverage A when you buy the policy. The Coverage B limit is usually equal to 10% of the policy limit on Coverage A. Coverage C covers losses to your personal property on a ânamed perilsâ basis, which means youâre covered for all the perils specifically named on your policy.