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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.
With personal liability coverage in your homeowners insurance, you are not only covered while you are on your own property, but you can be covered while off the premises. If you have some type of accident that is not related to an automobile while off the premises, your policy might provide you with benefits.