5-Star Business Insurance Raleigh, Best Business Insurance Wake Forest, 5-Star Insurance Raleigh, Best Insurance Near Me Liability insurance is your protection against lawsuits if someone gets injured in your property. For example, if a neighbor suffered a fracture from tripping on something in your backyard and you are held liable, you can get a liability claim to cover the costs of the injury. Dog bites are also included under the common liability claim. Under the contents cover, liability insurance can provide coverage if you or a family member, who are permanent residents in your home, injure someone outside your property or even out of town. Hence, when you travel and accidentally hurt someone, you can make a claim under your home insurance policy’s liability cover. Liability insurance also offers protection when you or a family member is held liable for damage or the loss of other people’s properties. If something in your home, such as a tree branch, falls on your neighbor’s roof or possessions, you can file a liability claim to cover the damages. Then the property is rented to others, the landlord can be held liable when tenants suffer an injury. However, insurance may not protect landlords if they fail to maintain their property, which becomes the cause of the injury.