I agree with Jay that even if you don't have insurance to cover the damage to your machine(which would be advisable considering the cost of them), you should at least have liability coverage for bodily and/or property damage to others. I think it would be safe to assume your homeowner's insurance won't cover the liability with out a special rider attached to it. Attorneys/insurance companies don't rely on friendship or applied consent, therefore, best to have the coverage in writing.....erring on the side of being "overprotected" would be the safest. I apologize to any attorneys on here if it sounds like I'm practicing law without a license. Also, some attorneys have been known to reach the scene of the accident before the 1st responders.....so I've been told.
