Home Insurance
Home Liability Coverage
Home liability coverage protects your personal assets when someone is injured on your property or when your actions cause harm to others. For business owners, personal liability exposure is higher than average — and the standard $300,000 home liability limit is rarely adequate when you have significant personal assets to protect.
Home Insurance
What You Need to Know About Home Liability Coverage
Standard Limits Are Insufficient
A slip-and-fall claim on your property can easily exceed $100,000. A serious injury can generate claims in the millions. Standard home liability limits of $100,000–$300,000 leave meaningful assets unprotected. Most business owners should carry $500,000 at minimum — and pair that with a personal umbrella.
Coverage Away from Home
Home liability covers you not just for incidents at your property, but for personal liability claims that arise away from home as well — personal actions, not business activities. This broad coverage is a foundational layer of personal asset protection.
Umbrella Coordination
Home liability forms the base of the personal liability stack. A personal umbrella sits above it — and requires the home liability to meet minimum underlying limits to attach properly. Getting the home liability limits right is a prerequisite for effective umbrella coverage.