This provides coverage for bodily injury or property damage for which you are legally responsible. For example:

  • A guest to your home falls on a patch of ice on your driveway or walkway.
  • Your dog bites the mailman on your front porch.
  • Lightning strikes a tree on your property and it lands on your neighbor’s home.

Most homeowner policies provide a minimum of $100,000 of liability protection, though other amounts may be purchased.