What’s liability insurance?

Liability insurance can come to the rescue if you (or members of your household) are legally responsible for someone else’s injury or property damage. Home insurance liability coverage also includes your legal defense cost in a court case against you.

Here are examples of cases where liability coverage could pay out:

Your dog bites someone and causes injury.
Someone visiting you trips and falls down your stairs.
A visitor slips on ice on your sidewalk.
Your child accidentally kicks a ball through a neighbor’s window.
A home insurance policy will include a baseline liability coverage amount such as $100,000, but you can buy higher coverage. For even better liability coverage, consider an umbrella insurance policy.