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.
Home Liability Coverage
A home policy includes a liability limit, and a claim can exceed it. A personal umbrella can sit above that limit when there is more to protect.
What You Need to Know About Home Liability Coverage
Standard Limits Are Insufficient
Home liability pays what you are legally responsible for, up to the limit on the policy. A claim can exceed that limit, and a personal umbrella is what sits above it.
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.