Personal liability coverage protects you if you're held responsible for property damage or bodily injuries — whether at home or elsewhere in the world.
It covers situations you might not immediately think of as insurance claims. For example:
At home
You accidentally leave the bathtub running and water floods into the unit below yours. Your neighbour holds you responsible for the water damage. Personal liability coverage can help cover those costs.
With your pet
Your dog bites a visitor in your home, or knocks someone over and they're injured. Personal liability can cover medical expenses and any legal fees if they decide to sue.
Away from home
You're playing sports in a park and accidentally injure another player, or break a window with a stray ball. Personal liability coverage extends to many situations away from your residence too.
It's one of the most valuable — and most underappreciated — parts of your tenant insurance policy.
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