how to increase or improve coverage
not all policies include legal liability insurance for water damage legal liability insurance so it is important to read the insurance contract carefully a more common issue is not the existence of the coverage but the extent of it most standard homeowners policies provide a basic limit of liability of 300 000 for property damages or injuries this coverage amount can be increased for an additional premium but often only to a specified limit if you want broader liability coverage than that provided by your homeowners insurance you could purchase what is commonly called an umbrella insurance policy personal liability insurance makes payments on the policyholder s behalf in cases of at home and auto accidents as well as situations that involve libel slander vandalism or invasion of privacy the policy also covers injuries that occur at secondary residences or seasonal homes within recreational vehicles on the premises of rental properties or on a boat or watercraft owned by the policyholder frequently asked questions faqs 