Personal Liability
What's included
What It Covers
Bodily injury
Helps pay for another person's injuries if you are found legally responsible, such as when a guest is hurt at your home.
Property damage
Can help pay to repair or replace someone else's property that you or a covered family member accidentally damage.
Legal defense
Typically helps pay attorney fees and court costs if you are sued over a covered claim, even when the claim is groundless.
Settlements and judgments
Can help pay settlements or court judgments against you, up to your policy limit.
Medical payments to others
Some policies help pay minor medical bills for people injured on your property, regardless of fault.
Household members
Coverage often extends to relatives living in your household, depending on the policy and carrier.
Who Needs It
- Property owners whose policy does not include liability, such as some dwelling fire policies.
- People who need liability protection without a homeowners or renters policy.
- Households with pets, pools or frequent guests.
- Anyone who wants to protect their savings and future earnings from a lawsuit.
Optional Coverages
- Higher liability limitsIncreasing your limit can provide more protection if a claim exceeds your base amount.
- Additional locationsSome carriers allow you to add other residences or properties you own to the same policy.
- Animal liabilityCan help cover injuries caused by your pets, which some policies limit or exclude.
- Umbrella policyAn umbrella policy can add an extra layer of liability protection above your other policies.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Isn't liability already included in my homeowners or renters policy?
Usually yes. Homeowners and renters policies typically include personal liability. A standalone policy is mostly useful when your property coverage does not include it, such as some dwelling fire policies, or when you have no other policy that provides it.
How is personal liability different from umbrella insurance?
A personal liability policy provides your primary liability coverage. An umbrella policy generally sits above your existing home, renters and auto policies and kicks in after their limits are used up.
How much liability coverage should I have?
It depends on your assets, income and the risks around your home, like pools, pets or frequent guests. A higher limit can help protect more of what you have. Our agents can help you review your situation and compare options.
What is not covered?
Personal liability policies typically exclude intentional acts, business activities and injuries to you or members of your household. Auto-related liability is usually covered by your auto policy instead.
Ready to Get Started?
Get a personalized Personal Liability quote or speak with one of our experienced agents.