isn't the sidewalk the city's responsibility? Also, wouldn't your homeowner's insurance cover it?
>In really small print at the bottom of the email was information telling me it was optional to do, but again I might be liable if anything happens.
Honestly the arrangement seems rent-seeking(ish) to me. At the very least it leaves a bad taste in my mouth. They're not providing any real value, just scaring people into paying with an (arguably) misleading letter.