所以我一般不用中文解釋

liabiliy = 責任（你肇事後的傷害） liability insurance = 責任險。

Landlord insurance covers property and liability related to the rental property. 

auto insurance covers property and liabiility related to your car.

homeowner insurance covers property and liability related to your home

Umbrella insurance covers only liability ABOVE the coverage of the underlying insurance. 

A typical umbrella insurance would say:

I cover the liabilty up to X million, and excedding the coverage of following plans:

auto insurance A, home owner insurance B,  landlord insurance C, D, .... 

所有跟帖： 

• Very clear! Mark. -伯克希爾哈薩維- ♂ (0 bytes) () 06/09/2023 postreply 08:44:10

• 如果是分租(房東房客在同一個房子）房東有HomeOwner Insurance -cutin- ♂ (223 bytes) () 06/09/2023 postreply 08:51:04

• 問你的保險公司，我認為是需要買landlord保險的。 -檸檬椰子汁- ♂ (0 bytes) () 06/09/2023 postreply 08:58:43

• got it, will ask about it, thank you! -cutin- ♂ (0 bytes) () 06/09/2023 postreply 09:21:06

• 出租房需要買landlord insurance。 -福祿壽喜- ♀ (72 bytes) () 06/09/2023 postreply 19:47:36