I have Marshall and Sterling. I pay $424 per year for 100K. Liability doesn't cover damages to your home. It covers incidents with children only. If a child is injured they will cover medical cost. If you are sued, they will be your attorney to have charges dropped/reduced. Anytime you make a claim though your rates go up. So while it's nice to have in case, you are always better to resolve it yourself if possible.

Reply