What type of coverage does personal liability provide?

Personal liability coverage provides primary protection in the event that you are held responsible for injury to someone else or damage to their property. This type of coverage is crucial because it serves as the first layer of financial security for the policyholder in the case of lawsuits or claims resulting from accidents that occur on their property or due to their actions.

For example, if a guest is injured while visiting your home or if you accidentally damage someone’s property, personal liability coverage would typically cover the legal fees and any settlements up to the limit of your policy. This provides peace of mind knowing that you have financial protection against unforeseen incidents.

Other types of coverage mentioned in the options, such as secondary, tertiary, or limited coverage, typically imply varying degrees of coverage that may be dependent on other policies or may not provide comprehensive protection on their own. Personal liability is designed to offer a robust first line of defense against potential financial liabilities.