Liability insurance is about financial protection for you and your family. The personal liability coverage within your homeowners or farm package policy provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. Typically, homeowners liability insurance can help protect you whether the injury or property damage happens on or away from your property.
While no one expects to be held liable after an accident at their home, liability coverage may help prevent you from paying out of pocket should the unexpected occur. If, for example, someone slips on the stairs in your home and is injured, if your dog bites a neighbor, if your tree falls on a neighbor's fence, or if someone slips and falls on your front walk. You can find the answers to these and other questions in the liability section of your homeowners policy.
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