Liability insurance protects you if you are held responsible for causing property damage or bodily injuries to others while at home or away anywhere in the world.
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For example: If you hit a baseball out of a park onto the street, and it hits a child, or breaks a window. Or one of your guests slips and falls and has to take time off work due to injuries. Or, while on vacation, a bonfire gets out of control and damages someone’s property.
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Personal Liability would cover you in all these and similar events.