Home Insurance – Liability Coverage

Protection Beyond the Walls of Your Home

Your home insurance policy isn’t just about protecting your house and belongings—it also protects you from the unexpected financial burden of lawsuits and claims. Liability coverage is a crucial part of homeowners insurance, offering peace of mind in today’s increasingly litigious world.

 What Is Liability Coverage?

Liability coverage helps protect you financially if someone is injured on your property or if you accidentally damage someone else’s property. It also covers legal defense costs, court judgments, and settlements—up to your policy’s limits.

 What Does It Cover?

           –   Injuries to Others: If a guest slips on your walkway or is injured during a gathering at your home, liability coverage can pay for                      their medical expenses and legal claims.

• –   Pet-Related Incidents: If your dog bites a visitor or causes injury, you’re likely covered.
• –   Property Damage: Covers accidental damage to someone else’s property (e.g., a tree from your yard falls and damages a                          neighbor’s car or roof).
• –   Legal Costs: Includes defense fees, court costs, and settlements in covered liability cases.

 Typical Coverage Limits

Most standard policies offer:

• –   $100,000 to $500,000 in personal liability coverage
• –   Option to increase limits with an Umbrella Policy for added protection (up to $1M+)

 What’s Not Covered?

• –   Injuries to people who live in the home
• –   Business-related incidents (unless added via endorsement)
• –   Intentional damage or harm
• –   Car accidents (covered by auto insurance)

 Why Liability Coverage Matters

One accident—like a fall, bite, or backyard injury—can lead to a lawsuit. Liability coverage helps you protect your home, savings, and future income from being wiped out by legal action. It’s an affordable safeguard that every homeowner should have.

Need to review your liability limits?
Let us help you evaluate your current policy and recommend the right amount of protection.
Call us today at (954) 824-2191 or request a quote online.