Liability insurance protects you if you're held responsible for property damage or bodily injuries at home. This includes major property loss events such as accidentally causing water damage by leaving the tub faucet on or starting a fire with a misplaced or forgotten candle. Not commonly known, it can also give you peace of mind while travelling worldwide in many situations.

Example #1: Say you've finally arrived at a beautiful beachside resort and you've rented out a private area where you can watch the sunset. As you're walking along the beach, the wind gets unruly and causes your torches to light the area on fire. The resort could hold you personally responsible for the damages to the hotel and the lost income from other potential guests while they rebuild. Having the correct personal liability insurance could help you.

Example #2: Everyone loves playing sports, but what happens if a stray ball unintentionally hits a child? Or you're playing street hockey and the puck breaks a window? Personal Liability can protect you if you (or members of your family) cause accidental injury to others.