Everything You Need to Know About Personal Liability Insurance

Now that we’ve answered the question, “What does personal liability insurance cover?”

Personal liability is typically is one type of insurance that every homeowner should have. This is because it provides protection in the event that someone is injured on your property. It can also provide protection if you accidentally damage someone else’s property when you’re not at home. In general, personal liability insurance will cover medical expenses, property damage, and legal fees up to a certain limit.

Would my homeowner’s insurance cover a tailgate fire at a football game?

Let’s take a look at an example to see how it would work in real life. Let’s say you’re at a Dolphin’s game, tailgating, and the grill gets out of control, and you burn down seven cars in the parking lot. If they were to sue you, your homeowner’s insurance, specifically your personal liability, would likely cover their expenses, as well as any property damage that may have occurred.

As a homeowner, it’s important to protect yourself financially in case something happens on your property. Personal liability insurance can provide peace of mind by knowing that you’re covered in the event of an accident or injury. Now that you know everything you need to know about how personal liability coverage works inside your homeowner’s insurance policy be sure to talk to your agent about getting a policy for your home. 

So, would my homeowner’s insurance policy cover a fire that started while I was grilling burgers for tailgating before the big game? It’s possible. Every policy is different, so it’s best to give your agent a call. And even if your policy doesn’t cover grill-related fires, we can talk to you about other options that might be available to you. We want to ensure you have the coverage you need, whether you’re a current customer or not. Call us today or import your current policies below for a full review – we’re happy to chat!

And don’t forget to shut down your grill before you head into the game this weekend.


Meet with our team of experts.

Canopy Connect

Securely import your insurance information.

Get Your Quote Today

Map Marker - Black - Shadow

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at The McBride Agency is here and ready to make the process as painless as possible. We look forward to meeting you!