While you might associate homeowners insurance with protection for the structure of your home and personal belongings, your home insurance in Orange, California actually offers your four major coverages.  In addition to property and personal property coverage, your policy also offers you loss of use and personal liability insurance.  Personal liability insurance is what will offer protection if you cause third-party losses or if someone injures themselves while on your property.  As personal liability claims are some of the most expensive you can face, it's incredibly important to make sure you have the comprehensive coverage you need.  Here's what you need to know about securing the right personal liability protection. Determining Your Personal Liability Coverage Needs Unlike auto insurance, there is no minimum liability coverage amount that homeowners need to carry.  That being said, there are several factors that affect the amount of coverage that you absolutely need to carry.  For instance, your liability coverage limits should increase along with your income, investments, and property value.  If you have a pet, a swimming pool, trampoline, or other special home features, then you will also need higher liability coverage amounts to address your increased risk for third-party injuries and damages.  To determine how much coverage is right for you, you should speak to a trusted insurance agent. Securing Additional Personal Liability Protection If you only need to increase your coverage limits slightly, then you can simply speak to your agent to have your policy's coverage limits updated.  Be aware that increasing your coverage limits will also increase your premiums.  Another way to secure additional liability coverage is by investing in a personal umbrella policy.  These types of policies offer excess liability coverage if a claim exceeds the coverage limits offered by your existing policies.  Securing an umbrella policy is a great way to supplement your homeowners insurance and get the comprehensive liability protection that you need.