 TITLE: What Does Homeowners Liability Insurance Cover? CONTENT: All standard homeowners insurance policies include liability coverage. This insurance protects you if a visitor is injured on your property, or if you or a family member living in your home accidentally hurts another person or damages their belongings off your property. If your children are playing football and break a neighbor's window, for example, home liability insurance can pay for it.\nThe two key components of home insurance liability coverage are _personal liability coverage_ and _medical expense coverage_.\n**Personal liability**: If you're sued due to a covered incident, homeowners insurance liability coverage pays for (and usually appoints) an attorney for you. It also pays damages for which you're found responsible, up to the limits of your coverage.\n**Medical expenses**: When a visitor is injured on your property, the policy may help pay their medical bills, even if they have health insurance. It's no-fault coverage, which means the injured party can generally submit medical bills to your insurer without filing a claim against you.\nTypically, home liability insurance also covers:\n*   **Lost wages**: If the injured person can't work due to their injuries and you're found to be at fault, your policy can reimburse them.\n*   **Pain and suffering**: These can result if a court awards damages to compensate the injured person for mental, emotional and physical pain from the injury.\n*   **Death benefits:** These include funeral costs and death benefits for survivors if someone dies due to an injury in your home.\n*   **Libel and slander**: Most homeowners liability insurance covers you in lawsuits that accuse you of defaming someone's character. END