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Home Liability Coverage, also known as Personal Liability Insurance, protects you financially if someone is injured or their property is damaged due to an accident involving your home, your family members, or your personal activities. This coverage helps pay for medical expenses, legal defense costs, and settlements if you’re found legally responsible.
From a guest slipping near your pool to accidental damage caused away from your home, homeowners liability insurance ensures you’re protected from unexpected lawsuits and costly claims. It’s a core part of every homeowners insurance policy and provides essential peace of mind in everyday life.
Depending on your policy, coverage may extend beyond your property—offering protection wherever life takes you.
Home liability coverage provides protection when you’re legally responsible for:
Bodily injury to others
Damage to someone else’s property
Legal defense and court costs related to covered claims
It applies to incidents on your property and, in many cases, accidents caused by personal activities away from home.
We help ensure your liability limits are strong enough to cover medical claims, lawsuits, and settlements.
Our team guides you through complex liability claims, ensuring efficient handling and fair outcomes.
We help you adjust your coverage limits and add endorsements like Umbrella Insurance for extended protection beyond standard policy limits.
From minor accidents to major claims, we design coverage that protects your home, finances, and peace of mind.
It includes financial protection for injuries or property damage that you or your family cause to others, as well as legal defense and settlement costs if you are sued.
Yes. If a guest is injured on your property, liability coverage can pay for medical bills and legal expenses if you are found responsible for the accident.
Coverage applies to a wide range of accidents, including slip-and-fall injuries, pet-related incidents, or accidental property damage caused by you or your household members.
Yes. Home liability coverage may extend to accidents that occur away from your property, such as damaging a friend’s belongings or causing injury during recreational activities.
It does not cover intentional harm, business activities, or damage to your own property. Separate business or property insurance is needed for those risks.
Most homeowners carry between $100,000 and $500,000 in liability protection. However, higher limits or an umbrella policy are recommended for greater security.
It protects your personal assets, savings, and future earnings from being used to pay for accidents or lawsuits, providing financial stability and peace of mind.
Canopy Connect is a secure, read-only platform that lets you share your existing insurance information directly with us. It uses bank-level encryption to keep your data safe and helps us provide faster, more accurate quotes. Simply sign into your existing insurance company portal, and our agent will be in touch with a quote for you shortly after.
