--- title: What Is Home Insurance Personal Liability? description: You can rest tonight by knowing what is home insurance personal liability. Insurance For Texans is an independent insurance agent serving Burleson and all of North Texas with great plans for home insurance. Our agency works for the customer and not some big insurance company. image: https://www.insurancefortexans.com/hubfs/Stock%20images/Are%20you%20Covered%3F%20written%20on%20the%20road.jpeg --- ![IFTWebHeader-1-1](https://www.insurancefortexans.com/hs-fs/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png?width=1384&height=307&name=IFTWebHeader-1-1.png "IFTWebHeader-1-1") ## Insurance For Texans Blog All the Insurance Topics a Texan Could Want This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # What Is Home Insurance Personal Liability? Posted by [Ron Wadley](https://www.insurancefortexans.com/blog/author/ron-wadley) on Feb 15, 2019 10:22:00 AM ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) Find me on: [Facebook ](https://www.facebook.com/ron.wadley.3) [LinkedIn](https://www.linkedin.com/in/ronwadley/) [Twitter ](https://twitter.com/rdw0330) - [Tweet](https://twitter.com/share)   ![Are you Covered? written on the road](https://www.insurancefortexans.com/hubfs/Stock%20images/Are%20you%20Covered%3F%20written%20on%20the%20road.jpeg) One of the most over-looked aspects on a [Burleson home insurance](https://www.insurancefortexans.com/burleson-home-insurance) policy is Personal Liability. We at Insurance For Texans have looked at thousands of home insurance policies over the years. One thing that always baffles us is when the personal liability line item is left at $100,000 or $300,000. Why? Does it even matter? Personal liability is the "catch-all" coverage that kicks in when you need it the most! - Did you rent a golf cart and wreck it? Guess what covers it! - Did your shopping cart roll away from you and hit a car in the grocery store parking lot? Guess what covers it! - Did someone slip and fall at your child's birthday party and get sideways with you? Guess what covers it! ![Young family with new home illustrated](https://www.insurancefortexans.com/hubfs/Stock%20images/Young%20family%20with%20new%20home%20illustrated.jpeg) So now that you've heard some real life stories that have happened, let's talk about some reality. You can be sued. Period. It doesn't have to be a real thing. If some crazy out of stater living in Texas decides to walk across your property and trip and fall on your driveway, you can be sued for negligence. I know, they can't walk a straight line. But that doesn't stop a lawyer dropping a suit in your laugh for a sidewalk in disrepair. So what do you do then? Do you want to pay for a lawyer to defend you? Did you realize that your personal liability coverage on your homeowners insurance policy can protect you with representation in such a case? Yes, yes it can. ![Workers on building construction site](https://www.insurancefortexans.com/hubfs/Stock%20images/Workers%20on%20building%20construction%20site.jpeg) So back to the original paragraph now that you know what it can cover. Why is it lazy for the amount to be $100,000 or $300,000? Here's why. The average price difference on a home policy from $100,000 to $500,000 is roughly 50 cents a month. Dollars a year. With home policies now averaging $1,500 to $2,000 per year, would you rather have $100,000 or $500,000 to make stuff go away if it cost you less a latte a week? That's why it's lazy! Is your agent or company asleep at the wheel? If you would like to speak to a professional independent insurance agent who works for you rather than a big insurance company, give us a shout and we can go into further detail about why Personal Liability coverage on your home insurance policy is so important for Burleson home owners. [![I Want The BEST Grapevine Home Insurance](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/b8991eae-9f1c-4ab5-967f-fc98e4923fa2.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2659071/b8991eae-9f1c-4ab5-967f-fc98e4923fa2) Topics: [home insurance](https://www.insurancefortexans.com/blog/tag/home-insurance), [Texas](https://www.insurancefortexans.com/blog/tag/texas), [insurance for texans](https://www.insurancefortexans.com/blog/tag/insurance-for-texans), [independent insurance broker](https://www.insurancefortexans.com/blog/tag/independent-insurance-broker), [insurance broker](https://www.insurancefortexans.com/blog/tag/insurance-broker), [Fort Worth](https://www.insurancefortexans.com/blog/tag/fort-worth), [limits of coverage](https://www.insurancefortexans.com/blog/tag/limits-of-coverage), [North Texas](https://www.insurancefortexans.com/blog/tag/north-texas), [Dallas](https://www.insurancefortexans.com/blog/tag/dallas), [Dallas/Fort Worth](https://www.insurancefortexans.com/blog/tag/dallas-fort-worth), [Burleson Home Insurance](https://www.insurancefortexans.com/blog/tag/burleson-home-insurance) ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) About the Author ### Ron Wadley Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company. [Connect with Ron on LinkedIn](https://www.linkedin.com/in/ronwadley/) #### Links #### Contact Us ** 469.789.0220 ** [info@insurancefortexans.com](mailto:yourname@company.com) ** 6777 Camp Bowie Blvd #329 Fort Worth, TX 76116 [**](https://www.insurancefortexans.com/blog/what-is-home-insurance-personal-liability#) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ron Wadley", "url" : "https://www.insurancefortexans.com/blog/author/ron-wadley" }, "dateModified" : "2019-02-15T16:22:04.147Z", "datePublished" : "2019-02-15T16:22:00.000Z", "headline" : "What Is Home Insurance Personal Liability?", "image" : [ "https://www.insurancefortexans.com/hubfs/Stock%20images/Are%20you%20Covered%3F%20written%20on%20the%20road.jpeg" ], "mainEntityOfPage" : { "@id" : "https://www.insurancefortexans.com/blog/what-is-home-insurance-personal-liability", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp" }, "name" : "Insurance For Texans Group, Inc" } } ``` ```json { "@context": "https://schema.org", "@type": "BlogPosting", "headline": "What Is Home Insurance Personal Liability?", "author": { "@type": "Person", "name": "Ron Wadley", "description": "Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. 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