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.
Are there any exclusions for pet-related damages under personal liability insurance?
Damages caused by dogs or horses require separate liability insurance.