Personal Liability Insurance

If you already have homeowners insurance, you might think you have your home and belongings fully covered. Unfortunately, situations could occur on your property that fall outside the limits of your homeowners insurance policy. That’s where personal liability insurance comes in.

What is Personal Liability Insurance?

Life is unpredictable. Personal liability insurance is a type of coverage designed to safeguard your assets and offer financial protection in the event that you are held legally responsible for injuries or damages to someone else or their property. Personal liability insurance may be included in your current homeowners insurance policy, but it’s important to understand the limits of your coverage.

What Does Personal Liability Insurance Cover?

Personal liability insurance typically covers costs associated with:

  • Bodily injury to others while on your property
  • Medical expenses for injured parties
  • Property repairs for damage caused by you or your family members
  • Legal defense fees in the event of a lawsuit
  • Settlements or court-ordered judgments

What Does Personal Liability Insurance NOT Cover?

When choosing a personal liability insurance policy, there are a few important factors to consider. First, find out what your policy may exclude.

Personal liability insurance typically does NOT cover:

  • Intentional acts of harm
  • Liability from business-related activities
  • Liability from automobile accidents (this is typically covered under an auto insurance policy)

It’s important to understand your policy's coverage limitations and whether they adequately protect you and your assets. If you don’t have personal liability coverage—or you’re not sure it’s enough—talk to a trusted insurance agent who can help you assess your risk.

Personalized Guidance Tailored to You

Whether you're a homeowner, renter, or simply seeking added peace of mind, our partnering insurance providers offer a range of personal liability coverage options. Our dedicated team of local North Carolina insurance agents at The Phoenix Company will guide you through the process, answering your questions and helping you find a policy to fit your needs.

Protect Yourself Today

Let The Phoenix Company handle your "what ifs” and enjoy the freedom of life without the worry of unexpected liabilities. Protect yourself and your family with a personal liability insurance policy from our trusted, independent insurance agents in the Piedmont Triad. Contact us today to discuss your coverage needs and receive a free personal liability insurance quote today.

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You may also call (336)765-9332 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state. 

Reliable Insurance From Familiar Faces

At The Phoenix Company, you don't have to choose between personal service and a reputable insurance company. As a member of Correll Insurance Group, we combine the dependability of a national insurance agency with the individualized care of a local agent invested in you and your North Carolina community. That’s the Phoenix difference and the Correll way.

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Correll Insurance Group
Trusted Choice

1396 Westgate Center Dr. Winston-Salem, NC 27103 |
(336) 765-9332

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The information presented on or through this website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to this website, or by anyone who may be informed of any of its contents.
 
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The Phoenix Company is a member of Correll Insurance Group and works to bring you coverage that best fits your needs.  Visit our corporate site to learn more.

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