Personal Liability
Personal liability coverage pays for injuries and property damage you or your family cause to others — whether at home or away — and covers your legal defense costs.
The specifics.
Medical bills, lost wages, and settlements if a guest is injured at your home, if your dog bites someone, or if your child damages a neighbor's property.
Real-world impact.
Standard homeowners policies include $100K–$300K of liability. If your net worth exceeds that, we recommend either raising the limit or adding a personal umbrella policy on top.
Other coverages inside your home insurance policy.
Dwelling Coverage
Pays to rebuild your home after a covered loss.
Learn morePersonal Property Coverage
Covers your belongings — furniture, electronics, clothing, and more.
Learn moreWindstorm & Hail Coverage
Coverage for named-storm and hail damage — critical in Texas.
Learn moreFlood Endorsement
Standard homeowners does NOT cover flood — you need a separate policy.
Learn moreLoss of Use / Additional Living Expenses
Pays for hotels, meals, and rent if your home becomes unlivable.
Learn more
Get personal liability added to your policy today.
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