Learn — Policy basics
Liability coverage
What liability coverage is on an auto or home policy, how bodily injury and property damage limits are structured, and what liability actually pays for.
Liability coverage helps pay when you are legally responsible for injuring someone or damaging their property — and can include related legal defense costs under many policies.
You see liability on auto, home, renters, and business policies. Umbrella insurance adds extra limits above underlying home and auto. Low limits can leave personal assets exposed after a serious claim.