Your front steps recently started to crumble a little bit — what would happen if your neighbor slipped and hurt their wrist while bringing you some mail?

When things go wrong, many people are happy to resolve problems privately or forgive the responsible party. But sometimes an injury or a property loss is so expensive that outside help is the only way to pay for the damage.

Here’s what to know about how to protect yourself from potentially costly accidents.

What does personal liability insurance cover?

If someone is accidentally injured in your home or on your property, personal liability insurance can help cover their medical bills and protect you if you’re sued.

If you or someone else covered by your policy accidentally damages someone else’s property, personal liability insurance can pay for the loss.

What doesn’t personal liability insurance cover?

Personal liability doesn’t cover your own damage to your own property and covered family members, though other insurance often does.

If your spouse falls off a ladder, your health insurance will provide coverage. If you accidentally start a fire and cause damage in your kitchen, your homeowners or renters insurance will kick in. If you injure someone while driving, you’ll file an auto insurance claim. And you’ll need a separate policy for business activities.

How do I get personal liability coverage?

If you have homeowners insurance or renters insurance, you already have personal liability coverage. The question is whether you have enough.

Insurance protects us against losses we can’t afford to pay for without help. Do you know how much personal liability insurance you have and whether it’s enough?

Reach out today and we’ll figure it out together.