Personal Liability Coverage (Coverage E)
The portion of a homeowners policy that pays for bodily injury or property damage you accidentally cause to others.
Quick answer
Personal Liability Coverage (Coverage E): The portion of a homeowners policy that pays for bodily injury or property damage you accidentally cause to others. Typical cost: Included in HO premium; raising to $500k typically costs $25–$75/year..
Why it matters
Standard liability ($100k–$300k) is often inadequate; raising it to $500k–$1M is cheap, and umbrella policies start above that.
Typical cost
Included in HO premium; raising to $500k typically costs $25–$75/year.
Pros
- • Covers guests, dog bites, off-premise incidents
- • Defense costs included
Cons
- • Default limits often too low for asset-rich households
Common uses
- • Every homeowners policy
Alternatives
Umbrella policy for higher limits
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Frequently asked questions
- How much liability coverage do I need?
- Cover at least your net worth; $500k is the minimum most planners recommend.
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Estimates and guidance are educational. Always confirm with a licensed local professional before making decisions.