Personal Liability Coverage – Protection Beyond Your Front Door
Title:
Personal Liability Coverage: Why Every Texas Homeowner Needs It
Intro:
Accidents happen—even when you’re careful. What if a visitor trips on your front steps and breaks an ankle? Or your child accidentally damages a neighbor’s property? Without the right coverage, you could face lawsuits, legal fees, and major out-of-pocket costs. That’s where Personal Liability Coverage, an essential part of your Texas homeowners insurance, comes in. At Tony Castle Insurance Agency, we make sure you understand this critical protection.
What Is Personal Liability Coverage?
Personal Liability Coverage protects you financially if you or a household member are legally responsible for someone else’s injuries or property damage. It’s about protecting your assets and your peace of mind.
What Does It Cover?
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Bodily injury to others (medical bills, lost wages)
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Property damage to others (accidental damage to someone’s belongings)
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Legal defense costs (attorney fees and court costs)
Coverage applies whether the incident happens at your home or away from it, as long as it’s not business-related or intentional.
What It Doesn’t Cover
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Injuries to people who live in your home
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Intentional acts or criminal behavior
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Business-related activities
Typical Coverage Limits
Most Texas homeowners insurance policies include $100,000 in liability coverage—but that’s often not enough. We recommend at least $300,000–$500,000, or even an umbrella policy for added protection.
Real-World Example
Your dog escapes the yard and bites a passerby, leading to medical bills and a lawsuit for $75,000. With the right liability coverage, your policy handles the costs—including legal defense—so your savings stay safe.
Why It Matters
Texas courts can award large settlements. One accident could threaten your financial security. Liability coverage is your shield.
Final Thoughts
Personal Liability Coverage isn’t optional—it’s essential.
When was the last time you reviewed your liability limits?
Contact Tony Castle Insurance Agency – Your Not So Common Insurance Agent today for a free coverage check-up.
👉 Visit mytexascoverage.com or call now for a quick consultation.