Bob

AMA really does not say anything about homeowners insurance. It says it's coverage is in excess of any other coverage. In other words, the AMA insurance is secondary. The "any other" could be UMA, HO or both as far as the AMA is concerned. Then the AMA insurance kicks in. 'Cept for the landlord and that is another story. I am assuming Horrace did his homework and that wording in the HO and UMA policies make the UMA primary.

JR