Personal liability insurance is a type of insurance that provides coverage for legal costs and medical bills if you are found liable for an incident that causes bodily injury or property damage. It is typically included in a homeowners policy, but can also be extended to incidents that occur outside of your home or property. The policy pays for any legal fees, court costs, and settlements up to the amount specified in the insurance contract. This type of coverage can be used to cover medical bills if you injure someone else, as well as your legal defense fees if you are sued.
It can also be used to cover any property damage caused by an event to which the coverage applies, with certain exclusions. If you are a guest in someone else's home, personal liability insurance may cover your injuries, but family members will need to rely on their own health insurance for treatment. You may need to purchase a supplemental policy to extend your liability coverage beyond the limits of your primary liability policy. The amount of personal liability insurance you choose depends on the value of your assets, your chances of being sued, and your tolerance for risk.
Your homeowners or renters insurance will cover certain personal liability claims, but there are other claims that may not be covered. To better understand your personal liability coverage and other important insurance topics, talk to your local independent agent or a Travelers Insurance representative today. Quote homeowners, renters or condo insurance online or call 1-866-749-7436 for personalized personal liability coverage.
