Is your policy a standalone policy or bundled with another policy, where the marginal overhead of the renters policy is lower? Also, the $100k liability covera

Is your policy a standalone policy or bundled with another policy, where the marginal overhead of the renters policy is lower? Also, the $100k liability coverage you're referring to is more likely than not personal liability coverage, not property damage liability. The intent of that is to cover any claims resulting from e.g. one of your guests getting hurt on the property. Not to cover structural claims themselves. Most of the rentals I've lived in require that coverage, as it makes their premiums cheaper since their liability coverage acts as an umbrella policy that only triggers after that $100k is exhausted from your policy. But any structural claims that don't include personal property or liability issues would still go straight to their policy, not yours.