What does personal liability insurance cover?

Personal liability insurance is designed to protect homeowners from financial loss due to claims made against them for bodily injury or property damage that they are found to be responsible for. This coverage is essential as it helps cover legal fees, court costs, and any settlements or judgments that might arise from such claims.

For instance, if a visitor slips and falls on the homeowner's property and decides to sue for medical expenses, personal liability insurance would step in to cover those costs, protecting the homeowner's financial interests. Similarly, if the homeowner accidentally causes damage to someone else's property, this insurance would provide coverage for the damages incurred.

This type of insurance does not cover loss of personal belongings, damage to the home's structure, or personal injury claims that are not a result of bodily injury or property damage liability. Thus, the primary focus on personal liability insurance is indeed on claims for bodily injury and property damage caused specifically by the insured.