58 years old, disabled, retired, wife isn’t working. Kids are over 21. Most of my assetts are either in a Roth or Traditional IRA. Other than that, our (mortgaged) home, two cars (paid for), household stuff, and savings / investments of well under $ 100,000. SSA disability and a small pension for income. Almost no debt except mortgage and 1 Parent College loan of under $ 6000.
So do I need a liability policy, or should I run with the liability coverage on homeowners and auto insurance?