Personal Liability Coverage for Your Home
Harris Insurance has built a reputation for trust, transparency, and unwavering customer support. We specialize in helping homeowners secure comprehensive personal liability coverage to protect against life’s unexpected events. With a deep understanding of the risks facing today’s property owners, we tailor every home liability insurance policy to fit the unique needs of our clients.
Comprehensive Coverage for Your Peace of Mind
At Harris Insurance, we offer a full suite of personal liability insurance options for homeowners, condo owners, and renters. Our policies are designed to protect you financially if you are held legally responsible for injuries to others or damage to their property.
Homeowners Liability Insurance
Covers legal and medical costs if someone is injured on your property or if you accidentally cause damage to someone else’s property.
Renters Liability Insurance
Provides protection for tenants in case they unintentionally cause damage to their rental unit or injure someone in their living space.
Condo Liability Insurance
Specialized coverage for condo owners, protecting against personal liability within your unit and shared areas.
Guest Medical Coverage
Pays for medical expenses if a guest is injured on your property—regardless of fault.
Personal Injury Liability
Covers legal defense and damages for non-physical claims such as libel, slander, or invasion of privacy.
Pet Liability Coverage
Protects you financially if your pet injures someone or damages property, even outside your home.
Premises Liability Insurance
Covers claims that arise from accidents occurring on your property due to unsafe conditions or hazards.
Accidental Property Damage Coverage
Pays for damage you or a family member unintentionally cause to someone else’s property, such as a broken window or damaged furniture.
Umbrella Liability Insurance
Adds an extra layer of protection above the limits of your standard liability policies, covering large claims and legal fees.
Legal Defense Cost Coverage
Helps cover attorney fees, court costs, and settlements in the event of a covered lawsuit.
Liability for Domestic Workers
Provides coverage if a housekeeper, nanny, or other in-home worker is injured on the job or sues for damages.
Personal Liability Insurance by Property Type
Standard Homes
Our personal liability insurance for homeowners protects you against claims arising from injuries to guests or accidental damage to someone else’s property. Whether it’s a slip-and-fall on your driveway or a broken window from a backyard game, you’re covered. Some policies may also include legal defense costs, giving you peace of mind without the financial burden.
Condos and Co-Ops
Owning a condo or co-op often means your building’s HOA insurance has limits. Our specialized liability coverage for condo owners is designed to fill those gaps—covering incidents inside your unit or resulting from your personal actions. From water leaks to pet-related injuries, our policies help protect what your association’s policy may not.
Vacation Homes
Your seasonal property might sit vacant for long periods, increasing its exposure to unexpected liability events. We offer year-round protection for vacation homes, including coverage for injuries to guests, accidents during short-term rentals (if applicable), and damages caused by weather or third parties—all even when you’re not physically there.
Rental Properties
As a landlord, you face unique liability risks—tenant injuries, property damage lawsuits, or issues with maintenance and repairs. Our rental property liability insurance helps shield you from legal and financial setbacks, ensuring your investment remains secure and your responsibilities as a property owner are covered.
How We Simplify the Claims Process
When something goes wrong, you need support, not paperwork. At Harris Insurance, we’ve built a claims experience that prioritizes speed, clarity, and human support, so you can recover faster with less stress.
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Simple Filing Process: You can file your claim online or by phone in just a few minutes. Our intuitive process asks for only the essential details, so you’re not overwhelmed during an already difficult time.
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Ongoing Support: From start to finish, you’re never left on your own. Our dedicated claims specialists are available to provide updates, answer questions, and ensure your claim stays on track until resolution.
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Expert Guidance: Insurance language can be confusing—but we simplify it. We walk you through your personal liability insurance coverage and clearly explain each step of the process so you know exactly what to expect.
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Fast Resolution: We understand how urgent claims can be. Most claims are reviewed within 24–48 hours, with quick follow-up actions to move things forward without unnecessary delays.
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Reliable Access: No bots. No endless phone menus. When you need help, you’ll speak directly to a knowledgeable and compassionate agent who understands your situation and can take real action.
Why Homeowners Need Personal Liability Insurance
Owning a home comes with financial responsibility—and legal exposure. Homeowners liability insurance protects your personal finances from costly lawsuits and medical bills that can arise from everyday accidents.
Covers Medical Expenses for Injured Guests
If someone is hurt on your property—like slipping on a wet floor or tripping on a step—your policy helps pay for their medical care.
Protects Against Legal Fees
Covers attorney fees, court costs, and settlements if you’re sued due to an accident or property-related incident.
Covers Property Damage to Others
If you or a family member accidentally damages someone else’s property (e.g., a fallen tree or broken window), your liability insurance helps cover repair or replacement costs.
Defense Against Lawsuits
Provides legal defense even if the lawsuit is groundless, giving you peace of mind in uncertain legal situations.
Protects Against Pet-Related Incidents
If your dog bites a visitor or causes injury or damage, your policy can help cover medical bills and potential lawsuits.
Off-Premises Coverage
Liability protection can extend beyond your property. For example, if you accidentally injure someone at a park or your child damages something at a friend’s house.
Guest Property Damage Coverage
If a guest’s belongings are damaged while visiting your home, some policies can help cover the replacement cost.
Coverage for Household Employees
Covers you if a domestic worker (e.g., a nanny or gardener) is injured on the job and seeks compensation.
Shields Personal Assets
Helps protect your home, savings, and other personal assets in the event of a costly liability claim or judgment.
Required for Mortgage Approval
Some lenders require homeowners to carry adequate liability insurance as a condition of the mortgage agreement.
Affordable Peace of Mind
Personal liability coverage is often inexpensive and adds significant protection without drastically increasing your premium.
Enhances Your Overall Home Protection
Fills gaps that standard homeowners insurance may not fully cover, ensuring you’re protected from common yet costly legal risks.
Choosing the Right Personal Liability Coverage
Finding the right level of personal liability coverage doesn’t have to be complicated. At Harris Insurance, we guide you through a clear, personalized process to make sure you’re fully protected without paying for unnecessary coverage.
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Consultation & Risk Assessment
We start with a detailed conversation about your home, lifestyle, and unique circumstances. This helps us identify potential liability risks: whether you have children, frequent visitors, or own valuable personal property.
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Property-Specific Considerations
Certain features increase your exposure to liability claims. We consider pools, trampolines, pets, home-based businesses, and frequent guests, ensuring your coverage reflects these important factors.
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Customized Coverage Solutions
Based on the assessment, we craft coverage options tailored specifically for you. This includes selecting the right liability limits and endorsements to cover your personal risks effectively.
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Balancing Budget & Limits
We help you find the sweet spot between protection and affordability. By reviewing your assets and risk tolerance, we recommend coverage limits that safeguard your finances without overextending your budget.
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Ongoing Adjustments
Life changes, and so should your insurance. We perform annual policy reviews and recommend adjustments as your property, lifestyle, or financial situation evolves to keep your coverage current.
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Claims Support & Guidance
If you ever need to file a claim, we stand by your side. Our knowledgeable team guides you through the claims process, ensuring a smooth, stress-free experience and helping you get the support you deserve.
Risks of Inadequate Liability Insurance
Adequate home liability insurance offers peace of mind and financial security, no matter what life throws your way. Without proper liability insurance on property, you could face serious consequences:
Out-of-Pocket Medical Costs
Without sufficient coverage, you may be personally responsible for medical bills if someone is injured on your property.
High Legal Expenses
Even defending against minor claims can result in costly attorney fees and court costs that add up quickly.
Asset Seizure
If a judgment exceeds your insurance limits, your personal assets—such as your home, bank accounts, or wages—could be at risk.
Loss of Savings
Paying settlements or legal fees out of pocket can quickly deplete your savings or emergency funds.
Stress and Emotional Toll
Dealing with lawsuits is time-consuming and emotionally draining, affecting your well-being and daily life.
Business Impact for Home-Based Enterprises
Insufficient liability coverage may jeopardize your home business operations if a claim arises related to your commercial activities.
Reduced Property Value
Legal judgments or liens against your property can complicate sales or refinancing efforts in the future.
Limited Legal Defense Options
Without proper insurance, you may have fewer resources to mount a strong legal defense, increasing the risk of unfavorable outcomes.
At Harris Insurance, we are dedicated to providing personalized service to help you secure the right coverage. Your business’s security is our priority, and we are here to ensure that you are protected against the unexpected, every step of the way.
FAQ
What does personal liability insurance cover?
Personal liability insurance typically covers bodily injuries and property damage that you or your family members cause to others, whether on your property or elsewhere. It may also cover legal defense fees and court costs.
What is an example of a personal liability claim?
If a guest slips and breaks their ankle at your home, they may sue you for medical expenses. Your homeowners liability insurance could cover those costs, including legal defense.
What does liability insurance cover for a home?
Home liability insurance protects against claims resulting from accidents or injuries occurring on your property—such as a dog bite or someone tripping over a loose floorboard.
How much personal liability coverage is needed?
Most policies start at $100,000 in coverage, but many experts recommend $300,000 to $500,000 or more, depending on your assets. We help assess the right amount of personal liability coverage for your specific situation.
Get in Touch
For more insurance information, please contact us here. We will get back to you shortly.
6445 W. Sunset Rd., Ste. 156 Las Vegas, NV 89118 (Located In Sunset Business Center)
Monday to Friday 7:30 to 4:30 PM Saturday and Sunday CLOSED
702.202.6611