Mike-

Heck, I knew all about the deductible, but I'm fuzzy on some other details of liability insurance, especially as to insurance provided by and contracted for by AMA. Seein' as how you have prompted an insurance expert to comment on your story, maybe I can get some education too.

Hypothetical incident: When charging some LiPo batteries in my detached shop/garage, I fumble-fingered and selected NiMH instead of LiPo. The ensuing fire spread quickly to neighbors' properties, and the destruction to houses etc. added up to $3,800,000 and change.
Am I covered? Here's a breakdown of liability in order of who-pays-what as I see it, with question marks where I don't know.

1. $250 paid out of my pocket (deductible on AMA insurance)
2. $5000 paid by AMA from operating funds (covers $5K HO insurance deductible)
3. $300,000 paid by HO provider for my primary residence (or split between multiple HO and landlord policies?)
4. $1,000,000 paid by my PUP provider
5. $245,000 paid by AMA from operating funds
6. $1,000,000 (or $250,000?) paid by Westchester liability policy
7. $1,500,000 (or $0?) paid by Westchester excess liability insurance policy

Question marks:

Item 3. - an exercise for me to determine if liability coverage of several landlord policies overlaps HO

Item 6. and 7, - not clear what total coverage is if the liability arises from a fire. Basic policy from Westchester has limit on that of $250K. No declarations page for excess policy, nothing gleaned from quick scan of policy.

Probably all made crystal clear by AMA documentation made available to me, but can somebody help me find it?

Abel