Buying the right insurance . . .
saves you from personal liability. It is worth it in the long run if someone accidentally, and God FORBID, falls and breaks their face or drowns. If you don't think someone will sue you if this happens, you are sadly mistaken. I manage rental properties and the things I hear from some of the most discerning clients is appalling. What one will say to an owner is entirely different than what they say to a property manager.
Cover yourself or be prepared to lose it. You should consider your costs when renting your property, and pass that onto the consumer. We are sue happy as a society, personal responsibility is a thing of the past. Call your agent.
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