Which insurance protects homeowners from liability in case someone gets injured on their property?

Homeowner's insurance provides protection for homeowners against various risks, including liability in the event that someone sustains an injury on their property. This type of insurance typically covers legal expenses and medical costs if a visitor is injured while visiting the insured premises. It ensures that homeowners can manage the financial burden of potential lawsuits or claims that may arise from such incidents.

Title insurance primarily protects against defects in property titles, Errors and Omissions insurance shields professionals from claims of negligence or inadequate work, and mortgage default insurance relates to protecting lenders against borrower defaults. These other types of insurance do not address liability for injuries occurring on the property, making homeowner's insurance the appropriate choice for this protection.