Homeowners who exclusively live in their own home are subject to the protection of private liability insurance, also against claims which are affiliated with the ownership and use of the owner-occupied house and property.
If you rent or lease house and property, however, you require the protection of separate Homeowner’s Liability Insurance in order to defend against or settle any claims by the claimant. As a property owner, you are indefinitely held responsible for damages which occur due to negligence of your duty of care. And this can happen faster than you think: for example, if the snow-covered walkway to your rented object is not cleared on time and a pedestrian breaks his/her leg, then you must deal with the claim for compensation. That is exactly the reason why we offer our Homeowner’s Liability Insurance.
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