Whether you’re shopping for home or auto insurance, you’ll find many types of coverage available to help provide you with financial security. Sifting through all these options can be overwhelming, but one kind of protection that’s especially important to pay attention to is liability insurance. No matter how cautiously you live life, accidents can happen, and they can turn out to be very costly. Fortunately, liability coverage is designed to minimize the economic risk associated with specific incidents that you may be held legally responsible for. Here’s an overview of what it is and what it covers.

What to Know About Liability Insurance

How It Works

Liability insurance is designed to protect policyholders in situations where they’re at-fault for another individual’s bodily injuries or property damage. Instead of reimbursing you for an accident that takes place, your policy would pay the other party on your behalf. In turn, this helps you avoid having to pay out of pocket for the person’s losses. It will also cover your legal expenses if the claim against you escalates into a lawsuit.

Homeowners Liability 

Most standard homeowners insurance policies include liability coverage. This protects your interests if you or another member of your household are considered responsible for damage to someone else’s property or their bodily injuries. It will help pay for the person’s medical expenses, the cost to repair or replace their property, and your legal fees if you get sued. 

liability insurance Robertsdale, ALAs a homeowner, you’re legally obligated to keep your property free of dangers that could harm others. This means that you could be found liable for failing to eliminate hazardous conditions that lead to injuries, such as a slippery sidewalk, broken stairs, or a pool that’s not fenced in. You may also be liable if your dog bites someone, whether it occurs on your property or not. 

Auto Liability 

In most states, drivers are required to include a minimum amount of liability coverage in their auto insurance policies. This ensures other drivers are protected should you cause an accident that results in bodily injuries or property damage. Similar to homeowners liability, it covers the injured party’s medical costs and repairs to their property. It won’t pay for any losses you incur if you’re injured or your car is damaged. Typically, it’s best to purchase more than the mandatory minimum amount of coverage to prevent having to pay the remaining balance on expensive medical and vehicle repair bills out of pocket.


If you’re looking for reliable home or auto coverage, turn to Russell Insurance Agency in Robertsdale, AL. They’ll take the time to evaluate your specific situation and help determine how much liability insurance to include in your policy. For more than two decades, they’ve served as the go-to resource for residents throughout Lower Alabama who are in search of high-quality policies at an affordable rate. Call (251) 947-3607 today to set up an initial appointment, or visit them online to request a quote.