Personal liability insurance typically covers accidental damages to third-party property such as spills or breakages at friends' homes, damage to neighbors' property, and damages caused by children under a family plan. It also covers damages during short-term and long-term rentals and pet-related damages except for those caused by animals that require separate insurance, such as dogs or horses.
What types of third-party property damages are covered by personal liability insurance?
Personal liability insurance covers various accidental damages caused to third-party property. These include the following examples:
Accidental damage at a friend's house, such as spilling red wine on a carpet that requires repair or replacement.
Damage to a neighbor's property, like breaking a window while playing.
Damage caused by your child, for instance, breaking an expensive item at someone else's home. This coverage applies if you have a family tariff.
Damage during a short-term rental stay, such as damaging furniture or walls in a hotel or Airbnb.
Pet-related damages caused by pets like rabbits or cats, including injury to others or damage to property.
Damage during a long-term rental, including accidental damage to fixed building elements or furnishings, like dents or burns.
Damage to movable property which you have rented, leased or borrowed.
Are there any exclusions for pet-related damages under personal liability insurance?
Damages caused by dogs or horses require separate liability insurance. You can get a quote for dog liability here.
Are there any exclusions to coverage involving rented, leased or borrowed items?
Damage caused while driving a car, motorcycle, e-scooter or other motor vehicle is covered by motor vehicle liability insurance, not personal liability insurance. Theft of a borrowed or rented vehicle is also not covered — land, air, and water vehicles are explicitly excluded from the policy's lost property coverage, a bicycle counts as a land vehicle.