Homeower CAR INSURANCE.?

Thank you ahead for answer my question. I live in MA, I’m a homeowner of a 3 units property in Boston. When I bought that house, my insurance agent for my AUTO said that I have to raise my insurance coverage to something call 100/300. They explained that if I get into car accident, and my car insurance is not enough to cover, then it will pull my house in order to cover for the accident that occur. Is this true? My car insurance premium going up a lot compare to a regular auto insurance for person without a home.
Is my insurance agent telling a lie, so that I pay more and they get more? I’m so chicken, so I did listen to my agent to increase my coverage. What do you guy think?
Thank you for reading and answer my questions.

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