Personal 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 covered residents of your household are legally responsible.
An example would be someone falling down the stairs in your home or a bad slip, trip or fall on your sidewalk.
Bodily injury liability works in conjunction with medical payments. Medical payments help pay for reasonable and necessary medical expenses of non-residents who are accidentally injured on or around your property.