Homeowners liability insurance can help protect you if you or your family member is found legally responsible for injuring someone else or damaging someone else's property. Typically, homeowners liability insurance can help protect you whether the injury or property damage happens on or away from your property.
If, for example, someone slips on the stairs in your home and is injured, liability insurance can help provide you with legal defense fees, and in the event of a settlement or judgment, can pay damages up to your coverage limit.
When deciding what homeowners liability coverage limit you want, consider your assets. If you were sued for injuring someone else or damaging someone else's property, your personal assets could be at risk.
For even more liability protection, consider personal umbrella insurance
. It can help protect you above the limits of your homeowners, auto and other insurance policies.
Find an agent to learn more about how homeowners liability insurance can help protect you and your family.