What does personal liability insurance cover?

Your personal liability insurance will help cover legal or medical fees related to injuries or property damage or injury, depending on what happened
Here’s what your personal liability insurance would likely cover:

Injuries to others at your home: If you host a book club in your living room, and someone trips on the pile of junk in your hallway and hurts themselves—your coverage may kick in.

Damage or injury to someone else or their property: This would apply if you went to someone else’s house and accidentally broke something valuable, or inadvertently caused someone to be injured.

Legal fees: We like to thing our friends would never sue us, but it’s impossible to predict the future. If you face legal exposure in the aftermath of a covered incident, your renters insurance’s personal liability coverage would come in handy.

Damage or injury caused by your pet: If your dog chews through a friend’s couch while visiting, your personal liability coverage may apply. And if your dog injures someone—like the Amazon delivery guy, or your Hinge date—it might as well (though there are exceptions here, especially if your dog has a history of biting, so read your policy carefully).