Liability coverage on your homeowner policy protects you and your family members if anyone in your household (including family pets) are held liable for someone else’s injuries or damage to property. Did you know that in 2010, the average pet bite claim was $26,000! Liability coverage also provides legal representation and court costs if you are sued for negligence. Unlike other coverages on homeowner policies, liability coverage does not have a deductible. It’s important to review your liability and medical payments coverage to make sure you are properly protected. Homeowner policies typically come with $100,000 in liability coverage and $1000 for medical payments. These limits can normally be increased, depending on your own personal situation and potential exposure.