Liability insurance is really valuable. You’ll lose your home to a semi-clever person who finds a reason to sue you. I used to sell insurance. My district ma

Liability insurance is really valuable. You’ll lose your home to a semi-clever person who finds a reason to sue you. I used to sell insurance. My district manager told a story about how the insurance company had to pay because a homeowner’s dog barked at a guy off the property, the guy tripped & got injured, sued the homeowner for a nontrivial amount, and won. You can self insure if you want to, but don’t be surprised when shit happens and you wonder why your having to liquidate your assets.