Is it a requirement to let home insurance company before installing Trampoline in the backyard?

Why should I purchase a life insurance ?

I reserved a rental car in California. The cost was $9.99/morning due to a weekend option. When I examined in at the table the adviser told me that I had a need to both provide proof FULL COVERAGE insurance or acquire their insurance (which may raise my daily pace from $9.99 to $40)!! They wouldn't allow me to rent a car basically didn't do possibly then