Home Insurance

Liability Insurance

Keep Your Family - and Your Assets - Safe

Liability Insurance helps protect you against the financial uncertainty arising from injury (or property damage) that you or your family may cause to other people. It typically even covers injuries whether they happen on or away from your property.

What Does Liability Insurance Cover?

In the event that you or anyone in your household is accused of accidentally causing injury or damage to property, your insurance coverage can help by providing for legal defense fees and, in the event of a settlement or judgment, can pay damages (up to your policy limit).

Imagine if you didn't have liability insurance. Any of your following assets could be at stake:

  • Retirement accounts (IRA, 401(k), pension plans)
  • Non-retirement investments (stocks, bonds, mutual funds)
  • Liquid assets (checking, savings, CDs, money market accounts)
  • Personal property (actual value of all your possessions if you sold them: cars, boats, jewelry, furniture, etc.)
  • Home and other real estate equity


Video: What is Liability Insurance?

Talk with an agent about limits for this coverage, as coverage is dependent on your particular policy limit.

Learn about other types of residential insurance coverage

How will you help pay for your guest's medical bills in the event of an accident? Allstate's guest medical coverage overview can tell you.

Are your personal possessions covered? Find out by reviewing our personal property coverage section.

Are you protected against flood damage? Read about flood insurance.

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An Allstate agent can help you determine which discounts you may qualify for, and what level of coverage may be right for you.

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The availability, qualifications and amounts of these discounts may vary from state to state. In addition, terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer discounts that are not listed here. For more information regarding your eligibility for these savings opportunities, please contact your Allstate agent.

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