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What Is Liability Coverage? Homeowners liability insurance can help protect you if you or your family member is found legally responsible for injuring someone else or damaging someone else's property. Typically, homeowners liability insurance can help protect you whether the injury or property damage happens on or away from your property.
1) Liability coverage. The liability portion of your homeowner's insurance policy will cover you when non-family members are injured and they file a lawsuit. Most homeowner policies cover the costs of legal expenses, settlements and court judgments up to $100,000 per occurrence.