[header] How to choose personal liability insurance [title] Learn what personal liability insurance covers. [step] Before deciding to buy personal liability coverage, it is important to understand what it does. Personal liability only comes into play in the event you are sued or found liable by a court. 
Check the specifics terms of each policy to be sure you know what you are getting. Personal liability coverage generally kicks in to cover any of the following, depending on your policy : [substeps] Injury to others occurring in your home or at other properties you own (in excess of homeowners' insurance).