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What is personal injury coverage on a homeowners policy?
I’m shopping around for a home insurance policy, and the premiums all include personal injury coverage. I need some clarity here to figure out how much coverage I need. What is personal injury coverage and why is it included on a home insurance policy?
Sadie Lovemore · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I hear you—all these coverage terms can be confusing! Personal injury coverage, also known as
personal liability insurance
, covers your costs if someone is injured at your house or on your property. Medical bills and legal fees are just some of the costs you’d be liable to cover without personal injury coverage. These costs can be financially crippling and are usually included in your homeowners insurance policy under personal injury coverage.
Personal injury coverage can help pay for the following:
- Bodily injury, medical, and legal costs. If your neighbor slips on your floor that got wet in an accidental leak, personal liability coverage would cover their medical bills and legal fees if they sue you.
- Property damage. If a tree on your property falls onto your neighbor’s fence, this coverage would kick in to take care of the costs to repair the fence.
- Dog bites. If your dog bites someone on your property, your personal injury policy should cover it—unless he is a high-risk breed excluded from insurance protection.
Of course, home insurance policies vary considerably, so you should always call the provider to double-check any limitations or exclusions. If you’re not happy with the cost or level of coverage you currently have,
Jerry
can help. Jerry eases the process of shopping for home insurance by providing you with competitive quotes in under a minute. The best part: you can save time and money without sacrificing coverage. Why do a bunch of hard work when Jerry can do it for you?
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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