Personal Liability Insurance is a type of coverage that protects individuals from financial loss if they are found legally responsible for bodily injury or property damage to others. It typically covers legal fees, medical expenses, and settlement costs arising from incidents such as accidents on your property, unintentional harm caused to someone else, or damage to another person’s belongings. This insurance is commonly included in homeowners, renters, or umbrella policies and helps safeguard personal assets in case of lawsuits. It does not cover intentional harm, business-related liabilities, or contractual obligations. Personal Liability Insurance is crucial for financial protection, as legal claims can be costly, potentially leading to significant financial burdens. Coverage limits vary, and higher coverage can be obtained through umbrella policies. This insurance provides peace of mind by reducing out-of-pocket expenses related to unexpected incidents. It is an essential safeguard for individuals against unforeseen liability risks in daily life.