What is liability insurance?

Personal liability insurance is a part of your home insurance policy that protects you against lawsuits for injuring or damaging someone else’s property. This coverage also extends to other members of your household, including pets.

What does liability insurance cover?

Liability insurance covers your attorney fees if you are sued following an incident that causes injury to someone outside of your household or damages someone else’s property. This includes any medical expenses and associated payments awarded in a lawsuit.

Liability coverage limits

How much your liability coverage will pay out is limited based on your policy limit, which typically ranges from $100,000 to $500,000.

Is liability insurance only available for your home?

No, you can purchase liability coverage on your car, or a recreational vehicle like an ATV, golf cart, snowmobile, or dirt bike. It is also available for boats and jet skis.

What is not covered by liability insurance?

Generally, liability insurance helps you pay for expenses relating to an accident that occurred where another person is injured or their property is damaged. Your liability insurance would not cover your personal medical costs or those of a member of your household. It also does not cover damages to your own property—even if the damage is caused by another person.

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WHAT IS COVERED BY HOMEOWNER’S LIABILITY INSURANCE?

How homeowners liability coverage can protect you