Falling on a neighbor's sidewalk and suing because you slipped on a small rock. My homeowner's insurance used to only have $1000 allocated for stuff like this. When I asked my agent why this was only $1000, he said because they usually will offer this small amount to possibly avoid a bigger amount later. When my agent changed, I reviewed this again and had it raised to $5000, because $1000 seemed awfully small for damages.

https://docs.google.com/spreadsheet/ccc?...amp;usp=sharing