digital$150–300/yearused in 2 side quests
Personal liability insurance rider
Insurance add-on that covers legal fees and damages if you're sued for property damage or injuries during exploration activities. Standard policies often exclude coverage during trespassing or risky hobbies.
What to look for
- 1Minimum $300k personal liability coverage
- 2Explicitly covers recreational activities (read exclusions)
- 3Legal defense cost coverage separate from claim limits
- 4Clear definition of covered 'recreational trespass'
Skip
- Policies requiring pre-approval for each activity
- Coverage that excludes 'intentional' property access
- Riders marketed to adventurers but excluding urban settings
Used for: Urban exploration documentation · Abandoned building photography · Group exploration activities · Investigative route testing
Side quests that use it
Pick the adventure first; the gear follows.
