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Why do I need home insurance?

What is meant by "dwelling" and "other structures?"

What are all the different protections?

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Family Liability Protection: $100,000 Limit
If you (or someone in your family who lives with you) is responsible for accidentally hurting someone or damaging their property and you have "family liability protection," the insurance company will pay up to $100,000 in damages. This insurance will also pay your legal costs if you are sued because of this accident.

 
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