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
Personal liability to third parties
Anyone may decide to sue you for willful or accidental behavior, as a result of which you have caused injury or property damage. Such a policy may be personal or for the whole family. Do note that this coverage is relevant for occurrences outside of your property.
Advise(!): This has little application in Bulgaria for the moment, but do include this clause in your policy, just in case.