Cub Driver wrote in message . ..
You will have liability yourself under the
renter's policy.

All your buddy has to do is sue you (that's not difficult or
expensive, at least not in New Hampshire). Surely the jury would find
you liable. Then your insurance company would have to pay.

Here in California its not unusual for one spouse to sue the other in
order to unlock the homeowner's insurance. If you trip and fall in
your own home and want to get your medical covered you can't do that
as the home owner but you can sue your spouse (who probably has Joint
Tenancy (in California a spouse actually has something slightly
different than JT but very similar)).

-Robert