Texas Personal Liability Insurance
Protect you and your family from the unexpected
with Personal Liability Insurance from Germania.
Whether you rent property or own a home, live in town or in the country, have a family or live the single life, accidents are a part of everyday life. Personal Liability insurance protects you in the event that you or a family member who lives with you are responsible for an accident that causes bodily injury and/or property damage to others, and it can provide protection in the event of a lawsuit.
Instead of automatically packaging liability coverage with your homeowner’s insurance, Germania’s Personal Liability Insurance is a separate companion policy to our Award-winning Property and Home Insurance products. With several endorsements options and coverage limits to choose from, you can personalize your Personal Liability Policy with Germania.
What does Personal Liability Insurance cover?
A Personal Liability Policy from Germania provides coverage for everyday risks you and your family may face at home—and even extends protection for certain activities beyond your home.
If a guest in your home is injured, or if you or a family member are responsible for bodily injury or property damage to another person, you could be held liable for the medical bills – and potentially sued. In such an event, Personal Liability Insurance can help pay for the damages, medical expenses, and legal costs.
To learn more about the various coverages Personal Liability Insurance provides, reach out to your local Germania Authorized Agent.
Who needs Personal Liability Insurance?
While each individual’s circumstances are different, we all face certain liability risks, and we all have assets we want to protect.
That’s why anyone with assets that could be put at risk in the event of a liability lawsuit can benefit from the protection Personal Liability Insurance provides.
However, your unique circumstances may require additional or specialized coverage. Fortunately, your Germania Authorized Agent can help you find the policy that best fits your needs.
How much does Personal Liability Insurance cost?
Like most insurance policies, the cost of Personal Liability Insurance depends on several factors unique to your individual circumstances and needs.
Germania’s Personal Liability Policy is available with several coverage limit options, which will also impact your premium.
The best way to find out how much Personal Liability Insurance costs is to request a free quote or reach out to your local Germania Authorized Agent!
What if I need more liability protection?
Germania offers many different coverage limit options for Personal Liability and Farm Liability Policies (PLP and FLP). However, if you need more protection than the maximum available, consider speaking to your agent about a Personal Umbrella or Farm Umbrella Insurance policy, which goes above and beyond the limits of PLP or FLP.
Liability Discount
- Companion Policy Discounts: When there is an active Germania Auto Policy and/or Germania Farm Mutual Policy and/or Germania Umbrella Policy.
- Claims Free Discount: When there has been no liability claims filed with any insurance company associated with any of the policyholders or locations covered by the policy within the experience period.
- Renewal Discount: When the policy has been continuously in force with Germania.
