Enhanced Liability Protection
Comprehensive liability coverage beyond standard policy limits protecting against guest injuries and third-party claims.
Key Benefits
Higher liability limits than standard policies
Covers bodily injury and property damage
Includes legal defense costs
Protection for premises liability claims
Covers multiple incident types
Ideal For
Properties with high foot traffic
Multi-unit buildings
Properties with pools or hot tubs
Commercial rental use
Coverage Highlights
- •Bodily injury to third parties
- •Property damage caused by liability
- •Medical payments coverage
- •Legal defense costs
- •Premises liability
Average Cost
$500-$1,200/year additional
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Standard liability is sufficient for all properties (higher exposure needs more)
Liability only covers intentional acts (covers accidents and negligence)
Guests auto-assume all risk (liability laws vary)
Business use voids liability coverage (depends on policy)
Need Expert Guidance?
Get personalized insurance recommendations tailored to your specific situation. Our experts can help you choose the right coverage and find the best rates.
Get Expert Help →