What Is Personal Liability Insurance Coverage?
Personal liability insurance is an essential part of your home insurance coverage. At The Hartford, this insurance comes standard with our homeowners insurance
or renters insurance
This insurance helps protect you if:
Someone who isn’t a resident of your household is injured while on your property.
You’re found liable for damaging someone else’s property.
You’re found responsible for injuring someone or damaging their property while you are away from your home.
How to Determine Your Personal Liability Coverage Limits
At The Hartford, we offer personal liability coverage as a standard addition to our homeowners policies. In case of a covered loss, this personal liability coverage helps protect you against damages, such as:
Pain and suffering
What Does Personal Liability Insurance Cover?
Your personal liability coverage can help protect you in the following ways, up to your policy limits:
Medical bills for bodily injury to an individual:
Personal liability insurance coverage can help cover costs for medical bills that result from a visitor's injury at your home. This helps you avoid having to pay for them out of pocket. Keep in mind that you can be held liable for medical expenses for injuries that result from your own negligence. For instance, if you fail to fix a broken stair in your home. In this case, your personal liability insurance can help if the injured visitor has health benefits.
Lost wages: If a visitor gets injured on your property and cannot return to work, your personal liability insurance can help cover the cost of their lost wages. For example, if your friend is a construction worker, and he slips and breaks his leg in your home, your personal liability coverage can help cover the costs associated with his lost wages while he can’t work.
Pain and suffering:
If someone gets hurt on your property and you are found negligent, you could be legally responsible for their pain and suffering. Your home insurance personal liability coverage can help cover the cost of the settlement against you.
Legal costs: If you're sued following an accident on your property, you will likely need a lawyer. Regardless of whether you’re found responsible for damages or not, your personal liability insurance can help cover the costs of your legal fees.
Death benefits: If someone dies in your home, your personal liability policy can help cover any death benefits for their family members.
If the personal liability coverage limits of your homeowners or renters policy do not meet your needs, there are additional coverages you can consider. One is umbrella insurance
, which offers an easy and affordable way to protect yourself from potentially devastating financial consequences. Umbrella insurance can help protect you and your family if a covered loss exceeds the limits of your personal liability coverage.
What Isn’t Covered by Your Personal Liability Insurance?
While primary home and renters insurance can help cover specific personal liability claims, they don’t always cover all of them. Claims that may not be included in your primary home and renters insurance coverage include:
Liability resulting from an automobile accident
Property damage or bodily injury caused intentionally by you or a family member living in your home
Damages or injuries experienced by you or family members in your home
Business pursuits or claims related to your profession, such as workers' compensation claims
You should carefully review your home and renters insurance policy to better understand what is and isn’t covered by your personal liability coverage. To find out if you have personal liability coverage for your home, contact us at 888-413-8970
or get your homeowners insurance quote
online. We can help you choose the policy that is right for you and your home.