Direct answer
Yes, it is highly recommended because standard homeowners insurance includes personal liability coverage that protects your assets if someone is injured on your property or you are found legally responsible for damage to others.
Standard property and casualty insurance underwriting guidelines established by the National Association of Insurance Commissioners. For additional information about how these guidelines influence homeowner policies, see the National Association of Insurance Commissioners‘ official website.
What this means for you
Yes, it is highly recommended because standard homeowners insurance includes personal liability coverage that protects your assets if someone is injured on your property or you are found legally responsible for damage to others.
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