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CONNECT, powered by American Family Insurance, has changed its name to American Family Insurance. No action is needed by you. Please see our FAQ for quick answers to common questions.
Personal liability insurance
Liability insurance, also known as personal liability insurance or third-party insurance, may help offset the costs of court awards and pay for a defense in the event that you (or covered residents of your household) are found legally responsible for injuries to someone else or damage to someone else's property.
What does liability insurance cover?
A few examples of when you may need personal liability coverage are if the following happens and you are found responsible:
- Your child hits a baseball through your neighbor's window and breaks expensive home decor.
- A houseguest falls down your stairs and breaks a leg.
- A ladder you left outside falls onto your friend.
How much personal liability insurance do I need?
The amount you need largely depends on your situation. For instance:
- Do you entertain and invite neighbors and friends over often?
- Do your children often have friends over?
- Do you keep a lot of firearms on your property?
Maximum amounts are specified in your policy.
Ever wondered about the difference between liability and negligence? Get details on liability and negligence now.
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American Family Insurance is our brand name. Auto policies are underwritten by American Family Connect Property and Casualty Insurance Company, American Family Connect Insurance Company, or Midvale Indemnity Company, Madison, WI. Property policies are underwritten by Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Insurance Company of the Midwest or Homesite Lloyd's of Texas, Boston, MA. American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Each company has sole financial responsibility for its products. Products, pricing, discounts, benefits, and availability vary by state and may be subject to change. Exclusions apply.
Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York. Costco Wholesale, Costco Insurance Agency, Inc. and its subsidiaries do not underwrite insurance, pay claims or guarantee any of the products or services. Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation.
This article is for informational purposes only and based on information that is widely available. We do not make any guarantees or promise any results based on this information. We are not responsible for the content of any third-party sites that may be linked in this article. This article does not afford, offer, or guarantee any coverage.
Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York. Costco Wholesale, Costco Insurance Agency, Inc. and its subsidiaries do not underwrite insurance, pay claims or guarantee any of the products or services. Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation.
This article is for informational purposes only and based on information that is widely available. We do not make any guarantees or promise any results based on this information. We are not responsible for the content of any third-party sites that may be linked in this article. This article does not afford, offer, or guarantee any coverage.