Not even then, you still have the liability for your personal actions and the premises you occupy. Your landlords insurance won't respond if someone trips over your rug and hurts themselves.
I can see, although I don't agree, that for your property you can not insure it and take the risk, but to be without liability insurance is just plain irresponsible. Suppose you are the one hurt or your property damaged by some uninsured fool and have tens (or hundreds) of thousands of dollars in loss and your only recourse it to sue him/her and hope their assets are enough to cover you losses, after legal fees and if you can get a lawyer to take your case. Would not be fun, would it? So why would you be like that and risk everything you have and impoverish someone else because you are a fool?
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Today's Featured Article - On the Road with Dave Gohl: Deere Departed Friend - by Dave Gohl. Have you ever had to part with a dear friend? It's not easy. If it's due to death, your feelings could be in disarray for days, months or even years. Even now after almost 4 years, I still miss my dad. I remember when I was a kid my dad sometimes would tuck my brother and I in at night and we would ask him questions about his childhood on the farm. To this day, it's some of the best stories I've ever heard. And now, I'm so glad that I asked those questions, and if I were a little smarter i
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