fbpx

Back to list



What is Personal Liability Protection Coverage?



Posted on


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.

BE SURE ABOUT INSURANCE

Do You Know How to Generate Insurance Leads?

As an insurance agent, one of the most challenging aspects of operating is knowing how to generate insurance leads. It’s often not easy to find new clients and leads must...

Read More

Lead Generation for Insurance Agents Tips

Are you looking for tips for lead generation for insurance agents?   More than 70% of consumers research their insurance options online before choosing a provider. There are an absolute...

Read More

How Much Homeowners Insurance Do I Need?

When a disaster strikes your home, it can be difficult to determine how much homeowners insurance you need in order to help you get back on your feet. Coverages that...

Read More

Which Home Insurance Coverages Protect College Students?

In our previous blog, “College Students and Their Parents’ Home Insurance,” we shared a lot of intel about what a caregiver’s home insurance can provide for their college student. In...

Read More

College Students and Their Parents’ Home Insurance

If you are a college student who’s planning on moving out or a parent sending off their college kid, then this blog is for you! Moving day can be an...

Read More

More Homeowners Insurance Tips 2021

In our previous blog, we shared some tips on home insurance. To give you that extra support in your insurance research journey, we compiled another short list of homeowner insurance...

Read More

Home Insurance Policy Tips 2021

Lately, it has been an intriguing year for homeowners when it came to 2020’s wildfires, hurricanes, and pandemic. Despite 2020’s challenges, it still managed to outperform the 2019 house market...

Read More