Personal liability can arise at any time. Accidents may occur in or out of your home, which may result in bodily injury or property damage. It's important you have the proper coverage in the case you may be held legally responsible for said event. Personal Liability provides coverage to pay for claims that arise from bodily injury or property damage sustained by others for which the homeowner or renter is legally responsible.
For example, if someone falls down the front steps of your house when it’s slippery outside due to rain or snow, or your child accidentally breaks an expensive vase in a neighbors home, or breaks a window while outside playing ball with his friends, you may be held legally responsible for the damages. This is why it’s of the utmost importance to carry personal liability coverage.
Most homeowners policies provide a minimum of $100,000 in personal liability coverage per occurrence. You may feel you need more protection and require higher limits. If that’s the case you can also purchase an Umbrella policy which will extend your coverage beyond the $100,000.