Personal Liability . If you think you may need it, you also have the option of purchasing additional coverage. For example, if your mail carrier broke his ankle on your defective front steps, you might be considered negligent and liable for the injuries. Your liability insurance would protect you by providing for the payment of his medical expenses, income loss, and pain and suffering, as well as the legal costs of defending you if he should sue. Protect yourself and your home by carrying adequate homeowner's insurance.
Accidents do happen, and when they do, they can be very costly.
If an accident should occur, notify your homeowner's insurance company as soon as possible. Insurance policies vary in the kinds of coverage they provide. Contact an insurance agent to determine which type of coverage is best for you.