Personal Liability Coverage
Insurance that protects you if you're legally responsible for bodily injury or property damage to others.
Detailed Explanation
Also known as Coverage E, personal liability coverage pays for legal defense costs and damages awarded in lawsuits up to your policy limits, typically starting at $100,000. It covers incidents that occur both on and off your property.
Practical Example
When Michael accidentally hit a golf ball that broke an expensive window at the clubhouse, his personal liability coverage paid for the $3,000 replacement and protected him from a potential lawsuit.
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