Your homeowners insurance policy includes liability protection:
Liability to others: This portion of your homeowners policy may cover you against lawsuits for property damage or injuries accidentally caused by you or your family members. It may help pay for court awards and the costs of litigation up to your policy limits and covers you even if you are away from home.
Medical payments: If a guest in your home is injured, medical payments can help pay medical bills if they require treatment. Medical expenses are paid to the injured person, and there’s no need for a liability claim against you.
Your agent may recommend that you purchase additional liability protection in the form of higher policy limits or an umbrella insurance policy, as well.