Definition
Personal liability coverage pays when you're found liable for injuries on your property or damage to neighbors' property. It's essential asset protection.
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Personal liability coverage pays legal defense and damages if homeowners are found liable for injuries to guests or property damage to neighbors. Standard homeowners policies include $100,000-$500,000 liability coverage. Coverage protects personal assets from judgment claims. Recommended limits are at least $500,000.
Pro Tip
Maintain at least $500,000 personal liability coverage. Consider higher limits if you have pools or other hazards.
Example
Liability coverage of $300,000 protects homeowner when guest is injured on property and claims $250,000 damages.