What is the primary purpose of personal liability coverage?

The primary purpose of personal liability coverage is to protect against third-party bodily injury or property damage. This type of coverage is designed to provide financial protection to the policyholder in the event that they are found legally responsible for causing injury to someone else or damaging someone else's property. For example, if a visitor is injured on the policyholder's property or if the policyholder accidentally damages someone else's belongings, personal liability coverage helps cover the related expenses, including medical bills and legal costs that may arise from lawsuits.

In contrast, protecting personal belongings relates more to coverage for personal property, while legal fees for disputes generally fall under different types of insurance or endorsements. Furthermore, property maintenance is not the focus of personal liability coverage, as this insurance specifically aims to address liability risks rather than property upkeep or repairs.