Are personal liability claims covered under all Dwelling Policies?

Personal liability claims are not automatically covered under all Dwelling Policies; they often require an endorsement for coverage. Dwelling Policies primarily focus on protecting the physical structure and contents of a dwelling, covering risks associated with property damage rather than liability for injuries or damages that occur to others on the property.

For properties that are rented out or not owner-occupied, liability coverage becomes even more essential, as the risk of personal injury or property damage claims can increase. As a result, policyholders may need to add a liability endorsement to their Dwelling Policy to ensure that they are comprehensively protected against these kinds of risks.

Additionally, the nature of the occupancy (like owner-occupied versus tenant-occupied) does not inherently dictate liability coverage but further emphasizes the need for appropriate endorsements that cater to specific risk exposures. Therefore, opting for an endorsement provides the necessary protection to address such claims effectively, substantiating why personal liability claims may not be included unless specifically covered through an endorsement.