If you perform work on any property (whether you own it, an LLC you own owns it, someone unrelated to you owns it) and your work causes injury, you can be liable no matter who owns the property.

If an improperly installed handrail causes someone to fall down stairs and sustain major injuries the sub who installed the railing the gc and you could all be named in the suit.

We have homeowners insurance that covers personal injury on all our properties including our primary residence and our own personal vacation home.As far as Oceanside, CA is concerned they are welcoming VR's with open arms as they have been undergone extreme gentrification for the past 20 years and are now in the throes of building and billing Oceanside as a "destination tourist and vacation & resort community" what with all the hotels, timeshares and myriad condo, townhouse, row houses (which is what we currently own and VRBO and Air B&B's along with the great surfing, beautiful and accessible sandy beaches, hiking, biking, walking trails, wonderful eateries, boutiques, shops, etc.

. $300,000 is just not much when it comes to paying someone's bodily injury claim if you are found guilty.

Yes, they do cause fires and injuries all the time, just because you haven't personally experienced that means nothing.Sparks go flying when you weld, especially if you aren't good at it.

That being said, you are liable if these items fail or even worse cause injury or death. 

unless your a full blown slum lord and have caused some serious injuries.  

-General aggregate: $2,000,000-Personal & Adv Injury: excluded-Does not include water/sewer backup.Can add additional "Investor Protection" which would include sewer/drain back up for an extra $3 (which I plan on doing) and a few other things, but just wanted to see if it was worth exploring finding a lower rate.

It protects the landlord because if their dog or kid or them are liable for an injury on the property it will hit the renter policy before the landlord's policy.

The lawyer makes no mention about specific injuries or wanting to file a lawsuit; instead, he's asking me to provide him with the name, policy number and contact information for my GL carrier.Obviously, if this lady was actually injured walking by my property, I'd feel terrible and this is what I have insurance for.