Homeowners Liability
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Covers injuries to others that occur on your property.
Definition
Homeowners liability coverage (Coverage E) protects you if someone is injured on your property or if you accidentally damage someone else's property. It pays for medical bills, legal fees, and settlements. Standard coverage is often $100,000 but can be increased.
Example
When a delivery person slipped on the icy walkway and broke an arm, homeowners liability covered the medical bills.
More Home Insurance Terms
Insurance that covers the structure of your home.
Coverage for your belongings inside your home.
Coverage for structures not attached to your home.
Pays living expenses if you can't stay in your home.
The cost to replace property with new items of like quality.
Covers minor injuries to guests regardless of fault.
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