One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home.
In fact, coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy.
Here are some examples of what likely would be covered by the personal liability portion of your policy:
Additionally, the liability portion of your policy could also extend coverage for the following items, even if an incident happens away from the insured premises:
What isn't covered
Here are examples where coverage does not exist and is excluded by nearly every homeowner's insurance policy:
Policies vary, so it is important to review yours to see what may or may not be covered.
Additionally, some policies allow you to endorse a coverage that may not be on the policy. This is why it is so important to sit down with us to address additional risks you may have and make sure coverage for those risks is addressed.
Liability coverage is perhaps the most important coverage you should have, simply because most of these cases involve attorneys and, if coverage exists, the insurers provide for your defense, as well as any settlement for up to the limits of your policy.