09-05-2024, 01:59 AM
Not trying to be rude or nosy, but I’m trying to understand your seeming infatuation with personal liability insurance?
Any typical home owner insurance policy will have some form of personal liability coverage built into the policy that can also be increased with the addition of an umbrella policy. Same with auto insurance policies.
However, a strict personal liability only insurance policy does not cover your home burning down or theft or a tree toppling into it.
Granted, having a swimming pool, trampoline etc that others may use that could result in injury or your tree falling into your neighbors house would be covered under a personal liability policy at a higher cost, but I’m just trying to understand your focus on personal liability insurance over that of all the other more important insurance coverages needed for home ownership/rental and/or automobile insurance.
Any typical home owner insurance policy will have some form of personal liability coverage built into the policy that can also be increased with the addition of an umbrella policy. Same with auto insurance policies.
However, a strict personal liability only insurance policy does not cover your home burning down or theft or a tree toppling into it.
Granted, having a swimming pool, trampoline etc that others may use that could result in injury or your tree falling into your neighbors house would be covered under a personal liability policy at a higher cost, but I’m just trying to understand your focus on personal liability insurance over that of all the other more important insurance coverages needed for home ownership/rental and/or automobile insurance.