Personal Liability

Personal Liability: Protecting Yourself Financially

Personal liability coverage is a crucial home insurance coverage and comes standard with homeowners policies. This coverage helps protect you if someone, who isn’t a resident of your household, is injured while on your property and you’re found legally responsible. It also helps protect you if you’re found responsible for damaging someone else’s property. It even helps cover the costs of a lawsuit if you are found responsible for injuring someone or damaging their property while you are away from your home like at a golf course or a park.
 

Determining Your Personal Liability Coverage Limit

Personal liability comes standard with homeowner policies. In case of a covered loss, it helps protect you against damages you might incur such as medical expenses, lost income, pain and suffering, legal expenses, and court costs.
 

Insurance Coverage availability varies by state.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.