Liability Insurance

Answers to our most frequently asked questions about liability insurance can be found below. Looking for something else? Check out our General Information FAQ, Property Insurance FAQ, Powersports Insurance FAQ or Home-Auto Bundle Insurance FAQ.

What is liability insurance?

Liability insurance will help protect your assets with liability protection up to $2 million over your home or vehicle policy. Some policies may not automatically provide liability coverage like a typical home policy does. In this case, you need a special liability policy.

Do I need liability insurance?

Liability coverage provides protection against the costs of litigation as well as any judgment that a third person might obtain against you for bodily injury or property damage arising out of an accident. As with all insurance, the coverage is subject to limits and exclusions.

What is personal umbrella insurance?

Our personal umbrella policy offers you additional liability protection up to $2 million over your home, auto, motorcycle, recreational vehicle, water craft, rental and seasonal home policies to protect your assets and family. And with a multi-policy discount on your Pacific Specialty home policy, our Umbrella coverage practically pays for itself.

What is comprehensive personal liability insurance?

For policies that may not provide any liability coverage like a typical home policy does. In this case, you need a special liability policy.

Is there a deductible?

Yes, there may be a deductible depending on your policy contract. Please review with your insurance specialist for more information.

What are the limits?

We have a wide range of limits. Please review your contract with your insurance specialist for more information.

What can be insured under these policies?

There are many options that may be insured. Please review with your insurance specialist for more information.

What is the number for customer service?

For customer support, please call (800) 303-5000. Our Customer Service Representatives are available Monday-Friday, 6:30 AM to 5:30 PM (PST).

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