What is personal liability insurance & how does it work?

Personal liability insurance provides you with protection against claims resulting from injuries and damage to other people or property. Though typically part of a homeowners policy, personal liability insurance can also be purchased separately.

What is comprehensive Personal Liability (CPL) insurance?

Comprehensive personal liability (CPL) insurance is a type of liability insurance that covers the expenses from legal liability to third-party liability arising from accidental property damage and/or bodily injury within the context of the policyholder’s private life as opposed to professional life.

How much personal liability insurance do I Need?

Most homeowners insurance policies provide at least $100,000 in personal liability coverage. But that can quickly be exhausted if someone files a big lawsuit against you. Consider raising your liability coverage to $300,000 or $500,000. Also consider buying umbrella insurance from your homeowners insurance company.