Coverage L - Personal Liability
Taking your hosting duties seriously
Coverage L in a DP3 policy protects the homeowner if they are sued by a tenant or guest on their property for accidental injury or property damage. This includes slip-and-falls and other injuries, as well as damage to a tenant’s belongings.
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Here's What's Covered
Coverage L (liability coverage) protects a homeowner if they are sued by a tenant or guest on their property for accidental injury or property damage. This may include injuries sustained by your neighbor if they slip-and-fall on your patio deck as well as any damage to a tenant’s belongings located on the premises.
How Much Coverage Do I Need?
Coverage L* offers $100,000 to $500,000 in liability protection. Homeowners with significant assets may wish to get the highest limit available – or even purchase an umbrella policy for even more liability coverage.
*Coverage L is optional only if the dwelling is not primarily owner-occupied.
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Frequently Asked Questions
Homeowners coverage may seem complicated. Each portion of your policy (coverages A - F, L & M) offers coverage for the unique features of your home. Find out more about what each section of your homeowners insurance policy covers, by reviewing our frequently asked questions or ask your agent.
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Insuring your home is one of the most important decisions you may make. Visit our carrier partner's pages to learn more about how they can meet your individual homeowners insurance needs and easily get a quote. Select one of our carrier partners below or call your agent today.