Personal Liability coverage is a component of your homeowner’s insurance that protects you from paying out of pocket if you are held legally responsible for injury of property damage to a 3rd party. For example, if someone trips in your yard and injures their back, they may sue you. Personal Liability coverage will pay for legal bills, settlements, court costs, lawsuit judgments, and other costs, up to your coverage amount.
Example of personal liability claims include:
- Medical bills for someone injured in your manufactured home
- Legal bills if someone sues you
- Lost wages of someone injured on your property