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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.
One important area of a traditional homeowners insurance policy is the personal liability coverage. This type of coverage protects you from being held personally responsible if someone is injured or wronged in some way while on your property.