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Liability insurance is wrapped into your homeowner\u2019s insurance policy<\/a>, but is that basic coverage enough to protect you? In this post, we\u2019ll help you determine whether it makes sense to get supplemental liability coverage in addition to what\u2019s included in your homeowner\u2019s policy.<\/p>\n Homeowner\u2019s liability insurance helps protect you against lawsuits brought on by injury or property damage caused by you, your family members, or your pets.<\/p>\n The standard homeowner\u2019s liability policy is designed to cover the cost of defending you in court \u2014 and any damages you must pay<\/a> \u2014 should someone injure themselves at your home and sue you.<\/p>\n Medical coverage is also included in most homeowner policies; it reimburses basic medical bills resulting from a liability claim. The standard homeowner\u2019s policy carries a medical coverage limit of $1,000 to $5,000<\/a>. This coverage would, for example, pay the medical expenses for a visitor who was bitten by your dog or who sustained a minor injury on your property.<\/p>\n The basic liability limit for most homeowner\u2019s policies is $100,000<\/a> for property damages or injuries. Higher coverage amounts are available, and it is recommended that homeowners purchase at least $300,000 to $500,000 in liability coverage.<\/p>\n Unlike the other types of coverage in your homeowner\u2019s policy, liability insurance doesn\u2019t have a deductible. That means there is no out-of-pocket cost you\u2019re required to pay before the insurance company begins paying for losses.<\/p>\nWhat is homeowner liability insurance?<\/h2>\n