Our Personal Liability Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading insurance providers. If you have questions, take a look at our Frequently Asked Questions.
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Frequently Asked Questions(click to expand)
What Is Personal Liability Insurance?
Who Needs Personal Liability Insurance?
What Does Personal Liability Cover?
Homeowners are legally liable for any accidents that occur on their property. Personal Liability insurance provides financial protection for any of the following:
- lawsuits if they are sued for an accident or damage caused on their property
- bodily injury to a third party (including any medical fells)
- property damage due to an incident on their premises (including any replacement or repair costs)
- compensation costs if damages are to be paid to the claimant
What Is Not Covered By Personal Liability Insurance?
- automobile accidents
- bodily injury or property damage caused intentionally
- bodily injury or property damage of the policy owner or their family members
- businesslike activities or claims associated with a home business
As each Personal Liability insurance product is different, it is important to check to see what is and isn’t covered in order to avoid costly disappointments.
What Additional Cover Is There With Personal Liability Insurance?
- home insurance
- umbrella/excess insurance
- business insurance
If Personal Liability does not cover enough essential needs or the limits are not inclusive enough then an additional policy or extension may be the solution.
How Much Does Personal Liability Insurance Cost?
The cost of personal liability can be tricky to estimate: Personal worth has to be examined as well as future income and the risk areas within the property. Not to mention figuring out the cost of potential damages resulting in medical bills, repairs and legal fees, which will all need to be calculated around the individual and their home. That said, as lawsuits are very common in today’s litigious society you cannot have enough coverage if you are sued.