{"id":45452,"date":"2024-06-05T07:06:32","date_gmt":"2024-06-05T11:06:32","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=45452"},"modified":"2025-06-23T08:56:24","modified_gmt":"2025-06-23T12:56:24","slug":"what-does-homeowners-liability-insurance-cover","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-does-homeowners-liability-insurance-cover","title":{"rendered":"What does homeowners liability insurance cover"},"content":{"rendered":"\n<p>Liability insurance is an important part of a standard home insurance policy. But what does homeowners liability insurance cover exactly? We\u2019ll do our best to explain.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#homeowners-liability\">What is homeowners liability insurance<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what-is-covered\">What is covered by liability insurance<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#common-scenarios\">Common scenarios<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what-is-not-covered\">What is not covered by liability insurance<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"homeowners-liability\"><\/a><h2 style=\"margin-bottom:0px;\">What is homeowners liability insurance<\/h2>\n\n\n\n<p>Homeowners liability insurance is one of the essential coverages provided by a typical <a href=\"\/insurance\/home\">home insurance policy<\/a>. Also known as Coverage E, personal liability insurance provides you with valuable financial protection.<\/p>\n\n\n\n<p>Specifically, it may cover you against lawsuits for bodily injury or property damage that you or family members accidentally cause to other people. It may also pay for injury or damage caused by your pets.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>When it applies<\/strong><\/h3>\n\n\n\n<p>For homeowners liability insurance to apply, you must be found responsible, negligent or at fault for the bodily injury or property damage that occurred.<\/p>\n\n\n\n<p>For example, if a <a href=\"\/resources\/does-home-insurance-cover-tree-damage\">tree on your property falls<\/a> and damages your neighbor\u2019s roof, your liability insurance will only cover damage if you are found responsible. It would have to be proven that you knew the tree was dead or dying and could cause damage to your neighbor\u2019s property. Otherwise, the cost of repairs would be covered under your neighbor\u2019s home insurance policy.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Choosing the right coverage limits<\/strong><\/h3>\n\n\n\n<p>Generally speaking, personal liability coverage limits start at about $100,000. If you have significant assets, you may want additional coverage. You can increase your personal liability limit and also get broader coverage by purchasing an <a href=\"\/insurance\/umbrella\">umbrella policy<\/a> from your insurer.<\/p>\n\n\n\n<p style=\"margin-bottom:25px;\">Your umbrella policy will kick in once the standard liability limit on your home insurance policy is used up during a claim. Your insurance carrier or agent can help you decide if an umbrella policy is right for you.<\/p>\n\n\n\n<h2 style=\"margin-bottom:0px;\">Other standard coverages<\/h2>\n\n\n\n<p>In addition to personal liability, a <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">standard home insurance policy<\/a> also includes <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-dwelling-insurance\">dwelling coverage<\/a>, <a href=\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\">other structures coverage,<\/a> personal property coverage, loss of use coverage and medical payments coverage.<\/p>\n\n\n\n<p>Medical payments coverage helps protect you if a guest is injured on your property. Also known as Coverage F, it will take care of their medical bills whether or not you are legally liable for your guest\u2019s injuries.<\/p>\n\n\n\n<p>Personal liability and medical payments are both considered third-party coverages, because they cover you when someone makes a claim against you.<\/p>\n\n\n\n<a id=\"what-is-covered\"><\/a><h2 style=\"margin-bottom:0px;\">What is covered by liability insurance<\/h2>\n\n\n\n<p>Incidents covered by homeowners liability insurance may include, but are not limited to, the following:<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>What&#8217;s covered<\/strong><ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Injuries on your property<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Injuries away from your property<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Property damage caused by someone in your household<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Injuries caused by your pet<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Injuries on your property<\/strong><\/h3>\n\n\n\n<p>Personal liability covers you if a guest accidentally injures themselves on your property and you\u2019re found responsible. You could be covered for the guest\u2019s medical expenses, lost wages, and pain and suffering.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Injuries away from your property<\/strong><\/h3>\n\n\n\n<p>Liability coverage may also apply away from your home, assuming you\u2019re found legally liable. For example, let\u2019s say you or a family member accidentally injures someone in the park. Your homeowners liability insurance can help cover the person\u2019s medical bills, as well as pay for legal costs if you\u2019re sued.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Property damage caused by someone in your household<\/strong><\/h3>\n\n\n\n<p>If you or a family member accidentally damages someone else\u2019s property, liability insurance can help cover damage. For example, if your child breaks a neighbor\u2019s window while playing baseball, personal liability can help pay to repair or replace the damage up to your policy limit.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Injuries caused by your pet<\/strong><\/h3>\n\n\n\n<p>When it comes to dog bites and other incidents involving <a href=\"\/insurance\/pets\">pets<\/a>, most states apply the concept of strict liability. This means that the pet owner is responsible under most circumstances. For example, if a dog bites another person and injures them, the dog&#8217;s owner will be liable for the injuries. Fortunately, homeowners liability insurance helps pay for medical bills if your pet causes an injury to another person.<\/p>\n\n\n\n<p>Please note that certain dog breeds or dogs with a history of aggressive behavior may be excluded from liability coverage.<\/p>\n\n\n\n<a id=\"common-scenarios\"><\/a><h2 style=\"margin-bottom:0px;\">Common scenarios<\/h2>\n\n\n\n<p>Let\u2019s look at some more examples of when homeowners liability insurance may offer you financial protection. All of these examples assume that you, as the homeowner, were found responsible for the incident.<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:60%;\"><strong>Incident<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:40%;\"><strong>What Liability Insurance May Help Cover<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">You accidentally ruin a neighbor\u2019s expensive rug.<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:middle;\">Replacing the rug<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">You failed to shovel after a snowstorm, causing a guest to slip and fall. Their injury prevents them from working.<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Medical bills, lost wages, pain and suffering<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Your mail carrier trips over a loose stair tread, falls down and sues you.<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Lawsuit settlements, legal bills, pain and suffering<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Your dog knocks someone to the ground at a park.<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Medical bills, pain and suffering<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Your child accidentally injures another child on the playground.<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Medical bills, pain and suffering<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<a id=\"what-is-not-covered\"><\/a><h2 style=\"margin-bottom:0px; margin-top:25px;\">What is not covered by liability insurance<\/h2>\n\n\n\n<p>Incidents that are not covered by personal liability insurance may include, but are not limited to, the following:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"45449\" class=\"elementor elementor-45449\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a2bd16 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a2bd16\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container 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class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInjuries to People Within Your Household\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7c40fb4\" data-id=\"7c40fb4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48f38afc elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"48f38afc\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  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class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIntentional or Criminal Acts\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Injuries to people within your household<\/strong><\/h3>\n\n\n\n<p>Personal liability doesn\u2019t cover costs related to your own injuries, or the injuries of others in your household. Let\u2019s say you cut your hand preparing dinner. In that case, your health insurer would cover the medical bills, not your homeowners liability insurance.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Business-related incidents<\/strong><\/h3>\n\n\n\n<p>Homeowners liability insurance does not cover problems that arise out of business activities, such as a person accidentally injuring themselves while visiting your business. To be covered, you would need general liability insurance, which is a form of small business insurance.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Car accidents<\/strong><\/h3>\n\n\n\n<p>As you might expect, homeowners liability insurance does not cover vehicle-related injuries that you cause to other people. That falls under the liability portion of your auto insurance policy.<\/p>\n\n\n\n<h3 style=\"font-size:18px; margin-bottom:0px;\"><strong>Intentional or criminal acts<\/strong><\/h3>\n\n\n\n<p>If you or someone in your household intentionally injures someone or damages their property, your homeowners insurance liability will not help cover damage and the associated costs. The same rule applies for criminal acts.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does your homeowners insurance policy cover personal liability? It is a crucial part of your home insurance policy to be aware of to save on insurance costs and inspect if property damage is a part of liability coverage. <\/p>\n","protected":false},"author":6,"featured_media":45447,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[],"class_list":["post-45452","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Does Homeowners Liability Insurance Cover | Plymouth Rock Car &amp; Home Insurance<\/title>\n<meta name=\"description\" content=\"Does your homeowners insurance policy cover personal liability? 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