Rental car insurance if you don't own a car, renting over 15 days in california?

 

 

I don't own a car so I don't have auto insurance. Visa and Mastercard only seem to cover Collision/Loss Damage Waiver for 15 days. AmEx seems to offer this coverage for 30 days (but I don't have an AmEx card). None of these cards cover liability. Is there a better way to get coverage than buying from the rental car company? Does a homeowner insurance policy cover liability if you damage something or injure someone with a rental car? The Non-owner policies one can buy only cover liability and not LDW/CDW? Any help sorting this out would be appreciated. Please don't reply if you are not knowledgeable on this topic. Thanks.

 

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SOURCE: http://www.insurelabs.com/forums/topic/rental-car-insurance-if-you-dont-own-a-car-renting-over-15-days-in-california/