I am looking to buy liability insurance to protect me if somebody
slips on the sidewalk on the snow or ice and sues me, but I do not
want fire insurance for my home which costs more than what I am
willing to pay. Does anybody know of company which sells such
liability insurance without the homeowners package?

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Request for Question Clarification by mvguy-ga on 26 Jan 2004 22:20 PST

In which jurisdiction (such as country and state or province) are you?

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Clarification of Question by vaac-ga on 27 Jan 2004 22:06 PST

I live in Baltimore city, Maryland

You want Personal Umbrella Insurance. Washington Mutual
(www.wamuins.com) and HomeSite (www.homesite.com) offer this in MD.
Remember that in the case of covered losses, such as those from auto,
home, or boat, the umbrella will be secondary and in the case of
libel, slander, defamation, false arrest, etc, it will be primary.

You simply may not be able to purchase umbrella insurance without the
HO/auto coverage without going to the excess & surplus or specialty
markets. I know this doesn't help you very much but it's the way the
US market is set up.