Coverage E – Personal Liability
Definition:
Protection against legal responsibility for bodily injury or property damage you cause to others.
Explanation:
Liability coverage applies whether the incident happens on your property or elsewhere. It covers legal defense costs and settlements.
Example:
If a guest trips on your icy walkway and sues you, Coverage E pays for their medical bills and your legal defense.
Why it matters:
This term affects how claims are handled and what payout a homeowner may receive.