Home Liability Coverage
Protects you financially if someone is injured on your property or you accidentally damage someone else's property.
What is Liability Coverage?
Personal liability coverage (Coverage E) protects you from financial loss if you're found legally responsible for injuries to others or damage to their property. It covers legal defense costs, court judgments, and settlements.
Standard policies typically include $100,000-$500,000 in liability coverage, though experts recommend at least $300,000-$500,000.
What Does It Cover?
Bodily Injury
Medical expenses, lost wages, and pain and suffering if a guest is injured on your property (slip and fall, dog bite, etc.).
Property Damage
Covers if you or a family member accidentally damages someone else's property (your child breaks a neighbor's window, etc.).
Legal Defense
Pays for attorney fees, court costs, and legal expenses if you're sued, even if the lawsuit is groundless.
Medical Payments (Coverage F)
Pays medical expenses for guests injured on your property, regardless of fault ($1,000-$5,000 per person).
Common Scenarios Covered
Slip and Fall
A delivery person slips on your icy steps and breaks their arm. Your liability insurance covers their medical bills and lost wages.
Dog Bite
Your dog bites a neighbor, requiring medical treatment. Liability coverage pays for their medical expenses and legal costs if they sue.
Accidental Damage
Your child accidentally damages a neighbor's expensive TV while playing. Your policy covers the replacement cost.
Recommended Coverage Levels
Minimum Coverage
$100,000
Basic protection, but may not be sufficient for serious claims
Recommended
$300,000-$500,000
Better protection for most homeowners
Consider an umbrella policy if you have significant assets. Umbrella insurance provides $1-5 million in additional liability coverage for just $150-$300/year.
Average Cost
Annual Premium (Liability Portion)
$150-300/year
Typically 10-15% of total home insurance cost
What coverage level do you need?
Choose the protection that matches your requirements