What to check before you buy
- Coverage limit (aim for a high limit relative to local claim sizes).
- Family/partner coverage and children included.
- Worldwide validity (important for travel or moving).
- Keys and rental property clauses (common exclusions).
- Pet liability if applicable.
Tip: Prefer policies with clear exclusions and easy claim procedures.
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FAQ
Is liability insurance mandatory?
Depends on country. Even when not mandatory, it can prevent financial damage from one accident.
What’s usually not covered?
Intentional acts, contractual obligations, and some professional activities.
Is it expensive?
In many markets it’s relatively inexpensive compared to the protection it provides.