Recently, EridanMan posted:

No, it's what Lidle's liability insurance is for. Why should the
homeowner's insurance be resonsible?

_IF_ this gentleman has renters/homeowners insurance, then I have to
agree that they are the ones responsible to cover his losses, as they
are the ones who have agreed to take responsibility and liability for
his personal property minus his stated deductible.

So, your opinion is that he should pay increased insurance fees in
perpetuity as a result of filing a claim for this event? Of course, I
disagree with that perspective. As I see it, the homeowner's insurance is
the last resort, if one can't collect from the responsible party.

Neil