YOUR HOME AND RECREATION PLACE
The insurance coverage of the building in which you live, rest or visit during weekends has the following composition:

Building
Insurance contents
Liability of the owner to third persons
This coverage protects you against claims from other people, which have been injured or whose belongings have been damaged in accidents in your home for which you are responsible. For instance – if someone, not from your family, should fall down the stairs, as the banister has broken or pipe leakage leading to a flood in your neighbour on the bottom floor.
Advise(!): Add this clause to your policy, even for an insignificant sum. Do note that this clause does not include coverage for you or your family members, as well as for people who work in your home (cleaners or repair workers).
Personal liability to third parties