In homeowner's insurance, what does "personal liability" coverage protect against?

Personal liability coverage in a homeowner's insurance policy provides protection against legal financial claims resulting from injury to others while they are on your property. This coverage is essential because it helps pay for medical expenses, legal fees, and settlements or judgments that may arise if someone is injured due to your negligence or an accident occurring on your premises.

For example, if a guest slips and falls in your home due to a slippery floor and incurs medical costs, personal liability coverage would help cover those expenses. This coverage is an important aspect of homeowners insurance because it helps protect the homeowner from significant financial loss associated with potential lawsuits or claims related to injuries that occur on their property.

While physical damage to property, theft of personal belongings, and fire damage are important components of homeowner's insurance, they fall under different types of coverage, such as dwelling coverage for property damage and coverage for personal property, not under personal liability.