I don’t know which category this goes to. I’m wondering what you guys recommend for house insurance. I know many times over on this forum, I’ve seen the number $1M coverage for accidents. Our insurance says this:
SECTION II - COVERAGES AND LIMITS OF LIABILITY
Personal Liability - Each Occurrence … $1,000,000
Medical Payments to Others … $5,000
I don’t understand why those are separate, but I’m concerned that we wanted the Medical payment to be $1M as well–ie, if someone breaks their neck on my front lawn, they should get $1M, not $5K. Thoughts?