Back to list

What is Personal Liability Protection Coverage?

To know how to get cheap home insurance, it takes a lot of time to research and contact professionals to help you find the best insurance for all your needs. In this blog, we will take a deep dive towards understanding what Personal Liability Protection Coverage is. To begin, Personal Liability Protection Coverage, along with Dwelling, Loss of Use, Medical Payments, and Personal Liability Coverage, are all a part of majority home insurance policies. In case you missed our blogs regarding the other types of coverages, feel free to navigate throughout our website to help familiarize yourself with what’s included in most home insurance policies. Other than that, let’s begin!

Personal Liability Protection Coverage Defined

Personal Liability Protection Insurance, also known as Coverage E, protects you or your family members in a case where there is a lawsuit against you for any injuries or property damages. This may include situations like:

• The deliveryman trips up your porch step because of a broken railing and ends up with an injured back and a twisted ankle. He is in poor condition and has to wait months to recover before returning to work.
• Your dog bites a person passing by your house and in result that person is receiving treatment in the hospital. This person also files a lawsuit against you for the amount of money they spent for their wound treatment and time they had to take off from work.

Your Personal Liability Protection Coverage should cover as low as $100,000 for each liability claim. This coverage can be used for any awards established from the case or to pay legal expenses, but you must be on top of it when you reach your coverage limit. In a case where you own a swimming pool or any additional recreational structures, you may want extend your liability coverage to provide you that extra protection.

Another similar type of liability coverage is called Personal Injury Liability or Umbrella Liability Policy.  The Personal Injury Liability provides protection against lawsuits regarding defamation of character, detention, false arrest, imprisonment, invasion of privacy, libel, malicious prosecution, slander, wrongful entry, or wrongful entry. Which means that this does not include any communicable disease transmissions; distribution, manufacture, or sale of a controlled substance; and mental, physical, or sexual abuse.

With everything that we shared in our blogs regarding home insurance policies, we highly suggest that you continue doing your research and reaching out to professionals in the field. We hope that we helped you learn how to get cheap home insurance, through learning more about Personal Liability Protection Coverage. If you still need more assistance with understanding Personal Liability Protection Coverage or home insurance policy, reach out to a Get-A-Quote professional today. Get-A-Quote is an excellent insurance shopping tool to help you find the best insurance for you.