There is no minimum. They can buy whatever insurance limits they want, or they can buy none at all.
The state of Florida requires a bare minimum coverage which is $10,000 personal injury protection (PIP). Also the State of Florida requires that Florida Car Owners have coverage for $10,000 property damage liability (PDL).
That would depend on the state where you live minimum liability coverage.
The minimum amount of liability insurance coverage required (in California) is: 15/30/5. 15/30/5
Liability as the absolute minimum.
Liability insurance is the minimum coverage you can get and is required in every state.
Liability insurance covers damages to the property or body of others, it does not provide any coverage for yourself of your property. Each state has a minimum coverage which depicts the cost of "cheap" liability auto coverage.
Louisiana state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 15/30/25 coverage.
I have to provide my apartment management with 100,000 liability insurance coverage. With Safeco it costs $18 per year. Liability coverage requires minimum personal property coverage of $10,000 (costs $57 per year) and replacement coverage (+$9). Total per year $84
public liability
If you purchase liability coverage on the dwelling policy then yes it will have liability coverage. If you only wanted the minimum price with no extra coverage that's what you get. Make sure you purchase the coverage you want when you talk with an agent. Dwelling coverage is used in situations when you own a home that you don't live in such as a rental property or if it does not qualify for a homeowners policy for some reason. You can add coverage for liability, contents, and many other additional coverages.
Well you can get just liability and that's all you need ...