What does the liability section of my home policy cover?
Both homeowners and renters can be held liable for bodily injury or property damage unintentionally caused to others. The personal liability portion of your home insurance provides coverage if such an event occurs on your property.
Say, for example, a visitor slips on any icy driveway on your property and is injured. If you’re found negligent, your personal liability would cover the damages resulting from the injury up to the coverage limit. Liability coverage doesn’t apply to injuries sustained by you or members of your household.