Home Insurance Articles
What is Personal Liability Protection?
2009-10-30
Personal liability protection is designed to offer protection for the homeowner in the event someone is injured while on your property. Known as coverage E, personal liability protection covers the homeowner and their family in the event that a lawsuit is filed due to a wide array of instances, including:
- Your dog biting someone
- A delivery person falling on an icy sidewalk on your property
- A child's friend is injured in your pool or on a trampoline
- A repair man being electrocuted while fixing something
These are just a few of the many things personal liability protection covers. Most homeowners policies offer some liability protection. If the standard coverage fails to cover the expenses of the lawsuit, however, the excess monies would be on the shoulders of the homeowner. For this reason, many people choose to take out additional coverage to ensure added protection.
In fact, many homeowners have chosen additional home insurance coverage known as personal injury liability. Also known as Umbrella Liability Protection, this type of coverage offers additional protection for the home owner against physical injuries on their property along with slander and libel, invasion of privacy, wrongful eviction, false arrest and even auto accidents.
What does Personal Liability not cover?
While personal liability coverage offers home owners a variety of protections, there are areas that it will not cover. Areas that are commonly excluded for personal liability protection include:
- Abuse, such as mental, physical and sexual
- Drug offenses, including the sale, manufacture and distribution of any controlled substances.
- Communicable disease transmission
Talk to your home insurance agent for a complete list of things that are and are not covered by personal liability protection.
Owning a home means a lot of responsibility. Every day it seems like you have to fix a water heater or mow the grass. All of this work, however, is meant to protect your home from becoming rundown as well as the investment you have made in it. Your homeowners insurance is designed to protect your investment from elements outside of your control.
Personal liability protection provides additional peace of mind with protection against incidence where you or a member of your home is at fault. Every day, lawsuits are filed for accidents where the home owner is considered negligent. Don't let your family suffer from inadequate coverage.
HomeInsurance.org offers personal liability protection and other home insurance quotes from multiple reputable insurance agents so you can decide which company can offer the protection you need at a price you want to pay. Simply fill out our short questionnaire and let HomeInsurance.org help you find home insurance quotes today!