That is indeed a question best left for a lawyer who is familiar with videogames. One option would also be to look at existing games' disclaimers and write something similar.
There is of course no way to protect yourself from being sued, regardless. All disclaimers or documentation of art/music/code pedigree do is provide you defense in the event your are sued. The cost of being sued can be quite high, win or lose...
It is for that reason, that many people create a company or LLC, and then have the company develop and release the game. That way, if there is a problem, people can sue the company, but not you personally. In that sense, the company acts as a sort of blanket of personal protection. As long as you make sure you've dotted all your i's, crossed all your t's and adhere strictly to the rules (eg no co-mingling of personal and corporate assets), that is usually an effective protection against losing your shirt should the unlikely/unthinkable happen.