Summary: Personal liability insurance is liability protection that applies to activities and conditions at the insured premises, and to the personal (non-business) activities of the named insured and members of the insured's household anywhere in the world. Most commonly the coverage is written as mandatory section II of the homeowners policy, but it can also be written as a separate personal liability policy under the Insurance Services Office (ISO) dwellings program. Although the separate policy is considered part of the dwellings program, property coverage on the dwelling is not required, i.e., it can be a stand-alone policy. See Personal Liability Supplement, for a description of the dwellings personal liability policy
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