Liability insurance is about financial protection - for you and your family. The personal liability coverage within your homeowners policy provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. For example, someone falls down your stairs, or your child accidentally throws a ball through a neighbor's window, breaking an expensive Chinese vase - you may be held responsible for the damages caused. Under personal liability coverage, the insurance company defends you if you are sued, and pays damages to the injured person up to the limit of liability.
Most homeowners policies provide a minimum of $100,000 in personal liability coverage, meaning the insurance company will pay up to the amount in total to injured persons per accident. If you feel you need more protection, you can increase this amount up to $500,000. You can also purchase a personal liability umbrella policy if you think you need more than $500,000 in liability coverage.
Liability insurance also includes Medical Payments to Others coverage. The homeowners policy provides for the payment of necessary medical expenses for guests who are accidentally injured on your property. This is regardless whether or not you are legally responsible. There is also coverage in some situations when the accident happens off your property. You can talk to your agent or Travelers representative to get a fuller understanding of what is covered or not. The minimum amount of coverage available is $1,000 per person. Higher amounts of coverage are also available.
A homeowners policy does not cover all situations for which you or a family member may be legally responsible for causing bodily injury or property damage.
There are many exclusions in the policy and many of them have exceptions. It's important that you read your policy to learn what is covered and not covered. You can also talk to your agent or Travelers representative to get a fuller understanding of what is covered or not.
Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop a homeowners insurance policy that fits your needs and your budget.
The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT. For a complete list of personal insurance underwriting companies, click here.