Which type of insurance protects against liability claims for family members?

Personal liability insurance is designed specifically to protect homeowners and their family members from claims of bodily injury or property damage to others. This type of coverage extends protection in various situations, such as when a visitor slips and falls on your property or if a family member accidentally causes damage to someone else's property. It provides financial coverage for legal fees and any settlements or judgments up to the policy limits, ensuring that the homeowner is not financially burdened by unexpected incidents involving family members.

Dwelling coverage primarily protects the physical structure of the home itself and does not cover liability claims. Comprehensive coverage typically refers to vehicle insurance that protects against damages not related to collisions, while limited liability coverage may provide very specific and restricted protections not suitable for broader family liability claims. Thus, personal liability insurance is the most comprehensive and relevant choice for protecting against liability claims involving family members.