Definition
Liability coverage pays when you're found liable for injuries to others or damage to their property. It's critical protection for your personal assets.
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Liability coverage pays legal defense and judgments if someone is injured on property or property is damaged. Typical limits are $100,000-$500,000.
Pro Tip
Consider umbrella policies for additional liability protection. Claims can exceed homeowners limits.
Example
Liability coverage of $300,000 protecting against injuries on property and liability claims.