What does "personal liability" coverage protect against in a homeowners policy?

"Personal liability" coverage in a homeowners policy is designed to protect the policyholder against claims for bodily injury and property damage caused to others. This means that if someone is injured on the homeowner's property or if the homeowner accidentally damages someone else's property, the personal liability coverage will help cover the legal costs and any damages awarded to the injured party up to the policy limits. This type of coverage is particularly important, as it provides financial protection against lawsuits that may arise from unforeseen incidents that occur on or off the property, ensuring that the homeowner does not have to bear the full burden of potential legal expenses.