The liability portion of your homeowners insurance covers claims or lawsuits for bodily injury or property damage that you or your family members negligently cause to other people or property. It also pays for injury or damage caused by pets. (Not that we think Lord Grantham’s beloved dog Isis would ever hurt anyone.)
Families like the Crawleys who have many assets and entertain a lot have a special need for liability insurance. “If someone injured on your property knows you have a lot of assets, they may try to get everything they can,” says McConnell. “Public figures also tend to face more allegations.”
Erie Insurance offers up to $10 million of liability insurance to its Customers. That is not enough for the Crawleys, though, since they own an incredible amount of assets and regularly entertain high-profile individuals and royalty. (Who can forget the Turkish diplomat’s tragic visit?)
Other liability concerns are the fox and pheasant hunts that regularly take place on the Downton Abbey estate. For these reasons, the Crawleys would be wise to seek a high limit of liability insurance from a specialized insurer.
Now that we’ve reviewed the kinds of coverages the Crawleys need, it’s time to reveal just how much it would cost to insure Downton Abbey.