What Does Personal Liability Mean in Homeowners' Insurance?


When you own a home, purchasing homeowners insurance is essential to protect yourself from financial loss. One important area of a traditional homeowners insurance policy is the personal liability coverage. This type of coverage protects you from being held personally responsible if someone is injured or wronged in some way while on your property.

Personal Liability

  • When you have guests over to your house, you want to know that you have personal liability insurance coverage as part of your homeowners policy. If someone were to fall and be injured or get hurt in some other way, this kind of insurance will protect you. When someone is injured on your property and then file a lawsuit against you, this kind of insurance will kick in and pay any damages that you may be responsible for. It will also help you pay for legal costs if you are sued.

Liability Limits

  • When you buy a homeowner's insurance policy, you will get to customize many of its aspects. One such aspect involves the liability coverage limits. Your homeowners insurance policy will have a maximum limit that it will pay if you are found liable for an injury in your home. For example, your policy might have a $1-million-per-occurrence limit. You will need to review this limit to make sure that you have a limit that will be suitable for your needs as a homeowner.

Personal Actions

  • Besides protecting you from people being injured on your property, this type of policy also protects you from negative consequences of your own actions. If you do something ill-advised and it damages someone else or their property, your homeowners insurance policy might pick up the tab. For example, if you are playing catch in the backyard and throw a football into someone else's yard and break something valuable, your homeowners insurance policy will help pay for the damage that you caused.

Other Considerations

  • With personal liability coverage in your homeowners insurance, you are not only covered while you are on your own property, but you can be covered while off the premises. If you have some type of accident that is not related to an automobile while off the premises, your policy might provide you with benefits. With this kind of insurance coverage, you also do not have to pay a deductible when you file a claim. With other types of claims, you would have to pay the deductible that is associated with your policy.


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