How do you get liability only homeowners insurance?

Answer 1

I have never heard of this and don't believe that it exists. I believe that if you are interested in liability only then a premises liability policy is what you want. A "homeowners" policy is a packaged policy with property, liability, medical payments to others, and many other coverages put together for owner occupied homes only. There are several different "forms" of homeowners policies such as: HO-3 is the typical owner occupied replacement cost policy; HO-4 is for apartment or those renting a home; HO-6 is for condominium owners; HO-1, HO-8, HO-10 are owner occupied actual cash value policies. There are also many many endorsements available to add or delete certain coverages from these forms.