Article: Liability insurance: read the fine print: the old joke that an insurance policy will cover everything except the actual claim isn't very funny when it's your claim.

While liability insurance is fraught with loopholes, the main problem, of course, is that rental owners can't get along without it. "Liability insurance is a necessary evil," said independent rental owner John Fedorko. President, C&F Interests Inc., Houston.

"Anybody can have an unfortunate incident occur on his property," said Fedorko, who operates five properties comprising 332 garden-style apartments. "If you don't have liability insurance, you put yourself at risk for severe financial hardship. It's foolish not to carry this insurance."

Gary Whitaker, Whitaker Properties LLC, said. "Liability insurance should be purchased by all apartment owners. It ...

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