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Adding to property insurance Liability & Medical. Worth it?

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skalogre

skalogre

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So I was putting some quotes together for Renter's Insurance and noticed the options for Liability & Medical Payments insurance. To me these sound like rubbish but I would like to know what other more knowledgeable people think about this before I dismiss it off-hand.
Any ideas or advice?

Thanks,
Stelios
 
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