![]() According to the III, 37 states have adopted so-called social host liability laws, which allow car-accident victims to sue the person (or business) who served alcoholic drinks to the offending driver. If a guest gets intoxicated at your house, you could be held legally responsible for any damage they cause after they leave your house. Bodily injury caused by dog bites, accidentally discharged firearms and intoxication.Bodily injury due to a trampoline, basketball court or pool.Bodily injury due to loose rugs, carpets and extension cords.Bodily injury due to wet, oily, icy or other slick surfaces.Bodily injury due to damaged walkways, floorboards, thresholds, stair steps and bannisters.You fall asleep with a cigarette, causing a fire that spreads to a neighbor's home.Your dog chews up your friend's designer purse.Your child's baseball breaks a neighbor's window.A tree on your property falls on your neighbor's house or car. ![]() However, homeowners personal liability insurance covers anyone else who visits your property: the babysitter, the pizza delivery guy, the handyman, the lawn-care worker, the home nurse, your kids' friends and, say, your next-door neighbors. Personal liability insurance covers not only payouts to injured third parties but also the legal costs you incur when defending yourself against a personal liability claim.Ī personal liability policy will pay for your legal costs, not just a claim. What Does Personal Liability Insurance Cover? In general, you should purchase enough personal liability insurance to cover the value of your assets. The personal liability portion of a homeowners policy typically has at least $100,000 in coverage against personal liability claims, but coverage limits can reach $500,000 or higher, depending on your choosing. In the U.S., homeowners insurance costs about $1,300 a year, on average, for a house with $250,000 in dwelling coverage, according to Quadrant Information Service's most recent data. Additional living expenses, which covers your expenses if your home becomes uninhabitable.Personal property, which covers the loss of your belongings.Dwelling coverage, which covers the exterior and interior of your home's structure.The standard homeowners policy includes four kinds of insurance products, one of which is personal liability insurance coverage: Does Homeowners Insurance Include Personal Liability Coverage? Further, from 2015 to 2019, the average homeowners liability claim was about $22,363. Personal liability coverage also protects you and your family members from personal liability claims that result from a visitor suffering bodily injury or property damage while in your house or on your property.įrom 2015 to 2019, the average homeowners liability claim was about $22,363.Įach year, about one in 1,440 insured homes is subject to a personal liability insurance claim, according to the Insurance Information Institute ( III). Without this coverage, you would have to pay for any damages out of your own pocket. If you are held legally responsible for injury to other people's bodies or damage to other people's property, personal liability coverage will compensate for medical bills and other losses up to your policy's coverage limits. Personal liability coverage is a component of homeowners insurance.
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