Who bought the liability insurance for falling objects from high altitude in China? Owner or residential property

Car owners buy this insurance, suitable for people in high-rise residential areas. During the insurance period, if the insured and his family members use the outdoor equipment of the house located at the address specified in this policy, causing personal injury or death to others, the insurance company will compensate the insured for the expenses arising from personal responsibility according to law, and the maximum compensation amount is limited to the insured amount.