Neighbor's host liability guarantee also provides hosts up to $1 million in general liability protection at no additional cost. As you might expect, the protection comes with some limitations and conditions. For example, Neighbor’s liability protection is considered secondary to your homeowners insurance policy. Neighbor also places restrictions on what items can be stored with a host. The following items are considered restricted: Ammunition Drugs Flammables Hazardous materials Pesticides Stolen property Weapons