Property Liability Insurance:
During the renovation of their home (even a simple job of whitening) it is legally obliged to compensate damage caused to others including those suffered by those who are performing work.
Civil liability of everyday life:
If you have a minor child and accidentally harms one of his friends while they are playing you have to compensate the family of his friend; or if we assume a caregiver to care for their elderly parents and gets hurt or cause harm to others is required to compensate the damage caused.
Theft and other events:
There is a statistic that says what is the average time to commit a robbery in an apartment: 6 minutes. Just enough to take away the most valuable and easier to transport.
As you can well understand this is a policy called modular, where the necessary guarantees, intersect with each other depending on the requirement of the policyholder.
Alex Gaetani