If people are concerned with liabilities they buy an Umbrella Poicy for home and auto for a million bucks of coverage. Cost is going to be about $300. Need to carry max limits for auto in policy. Typically split limit policy is going to be 250/500/100
Incorporating different properties would only make sense if you were a high net worht individual with multiple properties in which case it would make sense to potentially incororate each individual property to avoid liabilities on all in the event of a law suit.
Talk of individuals incorporating to avoid liability is nonsense.
