Home Liability Coverage, also known as Personal Liability Insurance, protects you if someone is injured or their property is damaged due to an accident that happens on your property or because of your personal activities. It covers medical expenses, legal defense fees, and settlement costs if you’re found legally responsible.
Whether it’s a guest slipping by your pool, a neighbor’s fence damaged by a fallen tree, or your child accidentally breaking something valuable in someone else’s home, this coverage ensures those expenses are handled—so you don’t have to pay out of pocket.
Home Liability Coverage is included in most Homeowners Insurance policies, providing essential financial protection and peace of mind for everyday life. It can also extend to incidents that occur away from your property, depending on your policy limits and exclusions.
We make sure your liability limits are high enough to cover medical costs, lawsuits, and potential settlements—protecting your finances and your home.
Our claims team helps you navigate complex liability cases, ensuring quick resolution and fair representation throughout the process.
We help you adjust your coverage limits and add endorsements like Umbrella Insurance for extended protection beyond standard policy limits.
From minor mishaps to major accidents, we build coverage that gives you confidence knowing your home, savings, and lifestyle are secure.
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.
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