ORIGINAL: akschu
Another thing that I didn't care for is that the insurance only kicks in if no other insurance is applicable. I don't want to sound negative, but for most insurance companies that could be translated to mean, "Nothing short of a lawsuit will make us pay."
schu
That is a pretty harsh quote if you do $10k in damages and your homeowners covers $5000 then it is applicable leaveing you out $5k might want to double check the word applicable or even call your own insurance agent ( any property insurance) to get a diffinition and see what you need to do. This could leave you screwed if your homeowners caps out. Or the coverage may be there to prevent you from double covering yourself like personal injury protection (onn your car)and Health insurance(whether personal or provided by your employer).