Do I have protection if someone is hurt on my property?
If my dog bites a neighbor, am I covered?
How much liability insurance do I need?

A neighbor was hurt on my property. Do I have protection under my home insurance?
Yes you do. Most homeowners, condo, and renters insurance policies include the following liability coverages, which protect you in case a person is injured or someone else's property is damaged at your house:

• Personal Liability. This coverage protects you and relatives who are part of your household if you're legally liable for injuries to other people either on or off your property, or if you cause damage to anyone else's property. Under MetLife Auto & Home^®'s policies, you'll also be covered for the costs to defend lawsuits brought against you.
• Medical Payments to Others. If you injure someone who's not in your household, or if a person gets hurt on your property, this coverage typically pays reasonable medical expenses, regardless of fault, up to the limit purchased for each injured person
• Damage to Property of Others. If, for example, your child hits a baseball through your neighbor's window, MetLife Auto & Home will pay up to $500 for damage to property of others.

Back to top

If my dog bites a neighbor, am I covered?
Yes, you would be covered under the Personal Liability section of your home insurance, up to your specified limits.

Back to top

How much liability insurance do I need?
Basic homeowners insurance policies cover your assets under the liability limits on your policy. If you have significant assets, you should consider a personal excess liability (umbrella) policy.

Back to top