Coverage E, Personal liability:
Covers costs up to liability limit for defense costs, accidental damages and other related costs resulting from damage to property or injury to a third-party. Incidents occurring both at and away from the residence can be covered. Coverage excludes auto accidents. Accidental damages and injuries caused by members of the policyholder’s family are covered. The typical HO-E coverage limit is $100,000.
Additional coverage can be added by either increasing coverage through an endorsement or adding a personal liability (umbrella) policy. An umbrella policy provides additional liability coverage to supplement homeowners and auto insurance policies. These policies are relatively low-cost and are recommended to wealthier individuals who bear much higher liability risks.