I always write liability coverage with homeowners insurance so if anyone gets injured on the premises it will pay for any claims, and it adds a very small amount to the premium for what you get.
For example, in an apartment situation, what if a fire, or a leak, starts in your apartment and causes damage [...]
This is a pretty unique feature, offered by more and more carriers now. It will pay for a wide range of disablements of your vehicle, like flat tires, dead battery (and getting a jump start), running out of gas, locking your keys in your car, radiator boiling over, etc.
It’s very similar to an auto club [...]