Top 10 Best Personal Liability Insurance

Looking for Personal Liability Insurance? We have made a list from the very best choice. Go ahead and find out their features.

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Personal liability insurance is a type of insurance coverage that provides financial protection in the event that you are found legally responsible for causing bodily injury or property damage to someone else. This insurance can help cover legal expenses, medical bills, and other costs associated with a liability claim made against you. Personal liability insurance is typically included in homeowners insurance and renters insurance policies, but it can also be purchased as a standalone policy. It is important to have personal liability insurance to protect your assets and finances in case of an unexpected accident or injury. Some common scenarios where personal liability insurance may come into play include: - Someone slipping and falling on your property and getting injured - Your dog biting someone and causing injury - Accidentally causing damage to someone else's property It is important to review your insurance coverage and make sure you have adequate personal liability insurance to protect yourself and your assets. If you have significant assets or are at a higher risk for liability claims, you may want to consider purchasing additional umbrella insurance coverage for extra protection.
  • Nationwide
    Nationwide

    Nationwide - Nationwide: Insurance and financial services.

  • Progressive.com
    Progressive.com

    Progressive.com - Progressive: Low rates, great coverage.

  • Allstate.com
    Allstate.com

    Allstate.com - Insurance solutions for life's uncertainties.

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  • USAA
    USAA

    USAA - Financial services for military members.

    Financial Services

    Insurance

  • Esurance.com
    Esurance.com

    Esurance.com - Esurance.com is an online insurance provider.

  • TheZebra.com
    TheZebra.com

    TheZebra.com - Online marketplace for buying and selling.

  • Geico.com
    Geico.com

    Geico.com - Geico: Insurance made easy.

  • Lemonade.com
    Lemonade.com

    Lemonade.com - Lemonade: Insuring the modern world.

  • StateFarm.com
    StateFarm.com

    StateFarm.com - Insurance and financial services provider.

  • LibertyMutual.com
    LibertyMutual.com

    LibertyMutual.com - Insurance solutions for life's journeys.

Top 10 Sites for the Personal Liability Insurance

1.

Nationwide

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Nationwide.com is an online financial services provider that offers a wide range of products and services to individuals and businesses. The company provides banking, insurance, investments, retirement planning, and other financial services. Nationwide.com also offers online tools and resources to help customers manage their finances. Customers can access their accounts online, pay bills, transfer funds, and more. The company also provides customer service and support to help customers with their financial needs. Nationwide.com is committed to helping customers achieve their financial goals.

Pros

  • pros Wide range of insurance options
  • pros Excellent customer service ratings
  • pros Strong financial stability

Cons

  • consLimited coverage options
  • consHigh premium rates

2.

Progressive.com

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Progressive is an insurance company that offers a wide range of insurance products to meet specific needs, including customized coverages. The company was founded in 1937 by two men from Cleveland who saw an opportunity to serve an underserved market and offer basic insurance that anyone could afford. Today, Progressive is a Fortune 100 company and one of the best insurance companies with over 27 million customers. The company is known for its innovative approach to the insurance industry and its commitment to diversity, equity, and inclusion. Progressive offers 24/7 support to its customers via chat, email, phone, social media, and more. Customers can log in to the Progressive website to manage their policies, make payments, view policy details, report claims, print ID cards, and more. Progressive is also an award-winning, inclusive, and forward-thinking company that values its employees and celebrates their unique ideas and energy.

Pros

  • pros Competitive auto insurance rates
  • pros User-friendly website and app
  • pros Wide range of coverage options

3.

Allstate.com

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Allstate is an American insurance company that provides a range of insurance products and services to customers across the United States. The company was founded in 1931 and is headquartered in Northfield Township, Illinois. Allstate offers a variety of insurance products, including auto, home, renters, life, and business insurance. The company also provides financial services such as retirement and investment planning. Allstate has a network of agents and customer service representatives who are available to assist customers with their insurance needs. The company's slogan, "You're in good hands with Allstate," emphasizes its commitment to providing reliable and competent service to its customers.

Pros

  • pros Trusted insurance provider
  • pros Comprehensive coverage options
  • pros User-friendly online interface

4.

USAA

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USAA.com is an online financial services provider that offers a wide range of products and services to its members. USAA provides banking, insurance, investments, retirement planning, and other financial services to its members, who are primarily active and retired military personnel and their families. USAA also offers a variety of other services, such as travel and auto insurance, credit cards, and real estate services. USAA is committed to providing its members with the best possible service and products, and strives to provide a secure and convenient online experience.

Pros

  • pros Excellent customer service and support
  • pros Competitive rates and discounts
  • pros Wide range of financial services

Cons

  • consLimited eligibility requirements Higher fees for non-members

5.

Esurance.com

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Esurance is a digital insurance provider that offers car and homeowners insurance predominantly online. The company was one of the first digital insurance providers and was acquired by Allstate in 2011. Esurance is known for its user-friendly website, interactive tools, and cutting-edge mobile apps. The company allows drivers to get a quote, purchase coverage, and file a claim online or through its mobile app. Esurance offers auto insurance in 43 states and homeowners coverage in 31 of those states. The company provides all standard coverage types for homeowners insurance, like dwelling, personal property, other structures, and liability, with the option to add valuable items coverage. However, the company does not mention any discounts online. Esurance also offers other types of insurance through its parent company, Allstate, and other affiliates, such as condo, commercial auto, umbrella, insurance for driving in Mexico, business, and travel trailer insurance.

Pros

  • pros Convenient online insurance quotes
  • pros User-friendly website design
  • pros Competitive rates for coverage

Cons

  • consLimited coverage options
  • consHigher premium rates

6.

TheZebra.com

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The Zebra is a website that allows users to compare insurance quotes from over 100 insurance providers in under 5 minutes. The website offers free car insurance quotes from companies such as Progressive, Nationwide, Liberty Mutual, and Allstate. Users can save an average of $922 on combined auto and home insurance when using The Zebra. The company's mission is to simplify insurance and help people make better-informed decisions about their coverage. The Zebra has received some customer complaints, which are handled by the Better Business Bureau. However, the website is generally well-regarded for its ease of use and ability to help users find affordable insurance options.

Pros

  • pros Easy-to-use car insurance comparison
  • pros Wide range of insurance options
  • pros Saves time and money

Cons

  • consLimited insurance coverage options
  • consPotential data privacy concerns

7.

Geico.com

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GEICO is an insurance company that was established in 1936 as the Government Employees Insurance Company. Over the years, it has grown to become a national company providing coverage for drivers in all 50 states and the District of Columbia. GEICO has a rich history and has achieved significant milestones, such as reaching 6 million policyholders in 2005 and 9 million policyholders in 2009. The company offers various types of insurance coverage, including car insurance, homeowners insurance, renters insurance, and more. In addition to its insurance services, GEICO is also known for its memorable and humorous commercials. GEICO is committed to providing quality insurance coverage and has become one of the most successful companies in the nation.

Pros

  • pros Easy-to-use website interface
  • pros Competitive insurance rates offered
  • pros Convenient online policy management

8.

Lemonade.com

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Lemonade is an insurance company that offers policies for renters, homeowners, car, pet, and life insurance. The company is built for the 21st century and primarily sells policies online through their website or mobile apps. Customers are required to download the app to manage their policy, get help from the Lemonade team, and file claims. Lemonade is a Public Benefit Corporation and certified B-Corp, which means that social impact is part of their legal mission and business model. They take a flat fee, pay claims quickly, and give back what’s left to causes that customers care about. Lemonade is a fully licensed and regulated company that is listed on the New York Stock Exchange. They are a public benefit corporation organized under Delaware law, which means that they are legally permitted to consider the interests of all their constituents, not solely the interests of their owners, in operating their business.

Pros

  • pros Innovative and user-friendly platform
  • pros Fast and hassle-free claims process
  • pros Affordable and transparent pricing

Cons

  • consLimited insurance coverage
  • consHigher premium rates

9.

StateFarm.com

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State Farm is an insurance and financial services company that has been helping people manage the risks of everyday life and protect what matters most for over 100 years. They offer a wide range of insurance products, including auto, home, renters, and life insurance. State Farm also provides financial services such as banking and investment products. Their mission is to be a good neighbor and empower people to protect their assets and achieve their dreams. State Farm is known for its personalized approach, affordable prices, and commitment to customer service. They have a network of agents across the country who can assist customers with their insurance needs. Additionally, State Farm has a strong online presence, offering digital tools and resources for policyholders.

Pros

  • pros Trusted insurance provider
  • pros Convenient online policy management
  • pros Extensive coverage options available

Cons

  • consSlow website loading speed
  • consLimited online account features

10.

LibertyMutual.com

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Liberty Mutual is an insurance company that provides comprehensive and tailored business insurance solutions to help protect people, property, and reputation. They offer a range of insurance products, including auto, home, renters, and life insurance, as well as coverage for businesses of all sizes. In addition to insurance products, Liberty Mutual also offers customer support services, such as online account management, claims information, and mortgage and lien inquiries. They have been subject to market conduct examination in the past, where examiners found overcharges totaling $22.00 and no undercharges. Liberty Mutual is committed to providing objective and independent reporting and recommendations.

Pros

  • pros Trusted insurance provider
  • pros Wide range of coverage options
  • pros Excellent customer service

Frequently Asked Questions About Personal Liability Insurance

less What types of risks does Personal Liability Insurance cover?

Personal Liability Insurance covers risks associated with financial losses resulting from legal action taken against an individual. These risks may include damages awarded to a third party due to bodily injury, property damage, or personal injury caused by the individual. Additionally, the insurance may cover legal costs associated with defending the individual against such claims.

less How much coverage does Personal Liability Insurance provide?

Personal Liability Insurance provides coverage for legal costs and damages that may be incurred as a result of an individual's negligence or wrongful act. Coverage amounts vary depending on the policy, but typically range from $100,000 to $500,000.

less What is the cost of Personal Liability Insurance?

The cost of Personal Liability Insurance varies depending on the coverage and the individual's risk profile. Factors such as age, occupation, and location can all affect the cost of the insurance. It is important to shop around and compare quotes from different providers to find the best coverage at the most affordable price.

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