Hey Jan-Ola for us USofA and even Canada “homeowners”, and “personal liability” insurances have become a begrudged necessity is you want to keep owning your own Real property; or independently supply goods and services for sale to the general “public”.
We here live in cultures with trolling sue-happy lawyers so starving they will advertise for “I-done-been-wronged” clients.
Serious problem here. Only the move-around never stay in one place homeless are safe from pocket-dipping lawsuits.
Want to Home-base do anything from the same location for raising your children then liability insurance becomes a necessity if you are selling eggs, milk, produce, meats, even firewood ANY personal care, etc.
The Progressive Social Dicto’crats have learned this dog-bite-it’s own tail situation well now. Encourage these lawsuits. They then can control uses that they do not approve of. Easy-pleasie (for them). No need to rabble for laws changes. The “for-profit” Insurance Companies and their rate payers then have to do all of the paying, to play.
Why so many here USofA chosen now to socially just drop out. Stratifying our society even farther into those involved/Haves, from those un-involed/have-nots. Have-nots actually functionally meaning having not the grinding $expenses and $problems of producing, supplying anything.
J-I-C Steve Unruh