Why do I need liability insurance as part of my homeowner’s policy?

If someone gets hurt at your house, you could be legally responsible for the person’s medical bills.

For example, if, during a party, a guest drinks too much and falls down the steps, she could sue you. If your dog bites the mailman or if your neighbor trips over an outdoor extension cord and breaks his arm, you could be liable.
 
Your homeowner’s insurance policy is designed to protect you against lawsuits due to these types of liability issues. Ask your agent how much coverage you need.
 
Also:
 

• If your yard has a pool, you might need extra liability coverage. Tell your agent if you have a dog. Some insurance companies won’t cover breeds like rotweilers. If you have one and don’t reveal it, your insurer might not pay for a dog-related injury.

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