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Accidents happen: A guide to personal liability coverage

by Tina Marinelli 11/15/2022

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Homeowners insurance is made up of multiple types of coverage. One of those coverages is personal liability coverage. This article provides a basic guide to understanding what liability insurance covers and its value. 

What does personal liability insurance cover?

Personal liability insurance provides financial coverage in case someone is injured on your property. This type of policy offers coverage to you and the members of your household. 

For example, imagine a visitor falls and is injured in your yard or home. If you’re found to be at fault for this injury, liability insurance covers the claim. 

Is personal liability insurance required for homeowners?

Personal liability insurance isn’t a requirement for homeowners. However, mortgage leaders will require loan borrowers to purchase this insurance to protect their investment. 

For example, let’s say someone has an accident in your home and decides to sue you. They could possibly go after your home as an asset. Lenders have invested in this asset, so they don’t want to compromise their stake. 

Do renters need personal liability insurance?

Many rental companies will require tenants to get renters insurance including liability coverage. This covers the same perils as standard liability insurance for homeowners. 

Accidents happen. Having liability insurance covers you and your household when they do. Even though liability insurance isn’t a requirement, having it can save you from paying out of pocket in the case of an emergency. 



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