I have nothing to protect - our next stop is toast & toast - so I do not carry a lot of liability. IF we were younger and needed to protect assets we would carry more. IF there were to be a problem, they would get whatever my liability is and if they want more, take my house. I will (if we are still upright) have one of my kids buy a trailer in their name for me to live in until I go room temp. Being old has its perks.