> The first... The second Sure, but neither of those are due to it being required by law. In the first case there I don't know what's happening, I guess maybe

> The first... The second Sure, but neither of those are due to it being required by law. In the first case there I don't know what's happening, I guess maybe insurance companies have figured out that people dropping insurance and then picking it back up correlates with increased claims due to stuff that happened during the interim. In the second case there, you can definitely get liability insurance separately from homeowners. And it's wayyyy cheaper. Or, live in a country that isn't as crazy litigious as e.g. USA. But again, neither is a legal requirement, which is all I was getting at initially given the top comment in this chain.