Personal Liability Insurance

Personal liability insurance provides financial security for you and your family. Your home's policy's personal liability coverage pays for claims of physical injury and property damage caused by others for which you or covered inhabitants of your household are legally accountable.

Under your basic homeowners insurance or renters insurance policy, personal liability coverage may protect you under the following circumstances, up to your policy limits:

• Lawsuits you may face if an accident occurs
• Bodily injury to an individual
• Property damage that occurs as a result of your negligence

If the liability limits of your policy don’t meet your needs, you may want to consider additional coverage such as personal umbrella liability insurance, which provides an extra layer of personal liability protection. This will help to cover costs if there's a serious auto accident or accident on your property that exceed the limits of your liability coverage.