Personal liability coverage, (Coverage E) is the coverage that will protect you in the event you are found to be legally responsible for a loss. If your dog gets loose and bites someone, a visitor trips and falls in your home or if your child throws a ball through a neighbors window, you are legally responsible for the actions, and as a result, the damages. Coverage E will help pay for the costs associated with these damages.

If someone is injured while on your property, medical expense coverage, (Coverage F) will pay all reasonable and necessary medical expenses associated with the injury. This coverage does not apply to the homeowner or regular residents of the household.