Please choose the correct ending to complete the given sentence: Food and Entertaining: [header] How to choose personal liability insurance [title] Learn what personal liability insurance covers. [step] Before deciding to buy personal liability coverage, it is important to understand what it does. Personal liability only comes into play in the event you are sued or found liable by a court.

Ending1: Check the specifics terms of each policy to be sure you know what you are getting. Personal liability coverage generally kicks in to cover any of the following, depending on your policy : [substeps] Injury to others occurring in your home or at other properties you own (in excess of homeowners' insurance). Ending2: This is so because the court will evaluate the validity of the claims to determine what insurance you will need. Personal liability insurance protects your financial assets at the expense of your personal life. Ending3: It covers one or both parties in a fraud lawsuit. In a fraud case, the insurance company will relieve you of liability insurance, and you will receive a fair fee that covers your losses. Ending4: Learn about the insurance policy and read reviews to better understand your options. [substeps] Medical liability insurance covers all medical costs associated with treatment of ailments that you will be affected by.

Answer format: ending1/ending2/ending3/ending4