Liability Coverage

Liability coverage protects you financially if someone is injured on your property or you accidentally damage someone else's property. It covers legal defense costs and any damages you're found liable for.

What It Covers:

• Medical bills for injured guests
• Legal defense costs
• Court judgments against you
• Property damage you cause to others

  Coverage Amounts:

Standard policies often start at $100,000, but many experts recommend $300,000-$500,000 or more. Consider an umbrella policy for additional protection.

Examples of Covered Claims:

• Guest slips on icy walkway
• Your dog bites a visitor
• Tree from your yard falls on neighbor's car
• Child injures another child at your home

  What's NOT Covered:

• Intentional acts
• Business activities (typically)
• Car accidents (covered by auto policy)
• Professional liability

  Umbrella Insurance:

For additional liability protection beyond your homeowner's policy limits, consider an umbrella policy. They're relatively inexpensive for the coverage they provide.