Before you spend money on the hunting policy, if you have homeowners or renters insurance, you probably have a certain amount of personal liability under that policy. Call your agent/company and have them explain what it covers. I know I had $100k on my last renters, not sure on my current homeowners, but I think it's fairly common. That may cover you and most states don't allow you to recover twice for the same accident even if you have two policies.