Liability
Liability Insurance in Florida
Accidents happen even when you do everything right.
That’s why liability insurance is one of the most important coverages you can carry. It helps protect your finances if you’re held legally responsible for injuring someone or damaging their property. From dog bites and backyard injuries to car accidents and water damage to a neighbor’s home, liability insurance steps in when things go wrong.
What Is Liability Insurance?
Liability insurance pays for things like:
- Medical bills
- Legal defense costs
- Property damage
- Settlements and judgments
It doesn’t cover damage to your property or injuries to you. It’s designed to protect you from being sued or held financially responsible when someone else is harmed or affected by your actions (or those of your family or pets).
Types of Liability Insurance in Florida:
- Personal Liability (Homeowners or Renters Insurance)
Protects you if someone is injured on your property (like a slip by the pool) or if you cause damage to someone else’s property. This coverage is included in most homeowners and renters policies, but you can often increase your limits for better protection. - Auto Liability (Bodily Injury & Property Damage)
Covers the other party’s medical bills and vehicle repairs if you're at fault in a car accident. Florida requires only minimal coverage by law, but those state minimums are not enough to fully protect you in a serious accident. That’s why most carriers (and we) recommend much higher limits. - Dog Bite Liability
Florida has strict laws around dog owner responsibility. If your dog bites someone, even in your own home, you can be held fully liable. Many home insurance policies include this coverage, but some exclude certain breeds or require disclosure, so it’s important to double-check your policy. - Landlord Liability
If you rent out property, landlord liability coverage helps protect you if a tenant or visitor gets injured or sues you for unsafe conditions. This coverage is not included in personal homeowners insurance, so it’s important to have the right landlord policy. - Umbrella Liability
An umbrella policy extends your liability limits beyond what your base policies cover. It’s especially useful in Florida, where lawsuits and medical costs can escalate quickly and it requires your other policies to carry specific minimum liability limits first.