Personal Liability Insurance

What Is It?

Personal liability can provide coverage when you are found legally responsible for an accident that results in bodily injury or property damage. Liability coverage has quite a few options to best fit your needs for a minimal premium while protecting against quite a few instances. Lawsuits, bodily injury, and property damage are commonly included in the realm of this coverage. There are quite a few affordable ways to carry personal liability such as inside your property policy or you could have a standalone policy solely for liability coverage should that be a better fit. Comprehensive and excess personal liability policies are both viable options to give array of options.

Why Is It Important?

Personal liability insurance is one of the most if not the most important coverage to carry. Whether you are a homeowner, business owner, or a renter it is always recommended to purchase liability coverage. Helping decrease your out of pocket expenses in the event of a covered loss is immense should it ever be needed as those expenses when found legally responsible for bodily injury or property damage can increase quickly.

How Much Coverage Is Needed?

Insurance carriers often give a few options to choose the amount of coverage you carry for liability insurance. Depending whether the coverage is included in your homeowners policy, or a separate standalone policy, coverage can be anywhere from $100,000.00 to 1,000,000. Many comprehensive and excess liability policies will also offer coverage up to 3,000,000-5,000,000. We encourage you to review your assets and can discuss choices available to best suit your needs.

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