Personal Liability Insurance (Coverage E) is the section of a standard home insurance policy that protects you or covered family members against lawsuits. This type of insurance coverage would protect you in the various examples of situations where a lawsuit is presented:
- Your dog bites a neighbor
- Your mailman falls on your porch steps because of a faulty railing
Standard home insurance policies will typically include a minimum of $100,000 for each liability claim occurrence. Some common exclusions of this policy include lawsuits involving the transmission of a communicable disease, mental/physical/sexual abuse, or anything involving the sale, manufacture or distribution of a controlled substance.
Some homeowners choose to take out an extension of this coverage if they feel they need to further protect themselves against liability lawsuits. One common reason for taking out an extension of liability coverage would be a homeowner who owns a swimming pool. Another type of liability coverage is Personal Injury Liability or an Umbrella Liability Policy which protects the insured against lawsuits involving libel, slander, defamation of character, false arrest, detention, imprisonment or malicious prosecution, invasion of privacy and wrongful eviction or wrongful entry. This policy can also cover liability protection for auto accidents with the minimum underlying auto limits. (Be sure to talk to your agent.)
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Q: What does a standard home insurance policy cover?
A: A standard home insurance policy includes six basic types of coverage:
- Coverage A- Dwelling
- Coverage B- Other Structures on Your Property
- Coverage C- Personal Property/Contents
- Coverage D- Loss of Use
- Coverage E- Personal Liability Protection
- Coverage F- Medical Payments
