Personal Liability Coverage

Personal liability coverage protects assets by covering claims, as well as damages resulting from accidents. This includes in or out of an insured home, which results in bodily injury or property damage. Personal liability insurance coverage includes medical bills, legal fees, and other protections. This is only up to your home insurance coverage limits.

Firstly, what does this personal liability insurance cover?

  • Lawsuits.
  • Bodily injury.
  • Property damage.

It also pays for damage caused by your pets. In 2014, one-third of homeowner’s insurance liability claim payouts were because of dog bites (according to a study by the Insurance Information Institute).

Home liability insurance is included in all home insurance policies. Homeowners may raise the basic limits for extra costs. This is to have extra protection. 

For even more, you may want to consider personal umbrella liability insurance. For instance, these can help cover costs if there is an accident that exceeds the policy limits.

More Information

Want to know more about auto liability coverage, personal injury protection, or being held liable for lost wages? Our customer service team is here to help. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. For your convenience, our Insurance Navy offices are open from 8 a.m. to 9 p.m. CST, 7 days a week.

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*Please review your own policy for details on homeowners insurance. Homeowners insurance varies by insurance company and policy.