What is personal liability insurance coverage

Personal Liability coverage is the liability coverage built into your primary homeowner's insurance.

This coverage is going to protect you if you are legally responsible for causing bodily injury or property damage to someone.

Most people assume this is just coverage for when someone gets hurt on your property but that is actually premise liability (which is included here)

Personal liability will follow you away from your home.

An example of this is, if you are golfing a slice a ball into the next fairway and it hits someone in the head and they are hurt. That personal liability will protect you and pay for the damage caused.
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