Liability

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.

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Where you see it

• Auto — injury or property damage you cause while driving
• Home / renters — guests hurt on your property, or certain personal liability away from home
• Umbrella — extra liability limits above underlying home and auto (see Umbrella insurance)

Liability limits are chosen amounts. Low limits can leave personal assets exposed after a serious claim.

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Next step

Not sure what liability limits make sense? A licensed agent calls during business hours (Mon–Fri 9–5 CT):

• Auto / home / life quote
• Small business / commercial