Coverage E - Personal Liability
NSDC’s main focus is on helping homeowners protect and repair their homes and property after storm damage. As such, we don’t spend much time discussing personal liability insurance. However, liability Coverage E is standard in most homeowners policies and deserves consideration when making purchasing decisions.
Coverage E provides protection to you should a visitor be injured on your property. If someone, other than a family member, is injured on your property and you are found liable (i.e. you did not repair something properly and it caused their injury, Coverage E requires your insurance company to provide a lawyer to defend you and to pay for any damages you are found liable for and for any medical expenses incurred by the injured party.
Like all other insurance coverage, there are limits and rules. You will want to talk to your agent to ensure the amount of insurance you have is adequate to protect your financial interests without overspending on unnecessary coverage.