This section protects you in the case of certain lawsuits brought against you or a covered family member. Some common instances covered under this, is a slip and fall on your property by a guest. Most homeowners insurance policies come with a standard of $100,000 in coverage, but some homeowners choose to purchase more. Having a pool for example sometimes leads to greater liability risk, and purchasing more coverage would be a good idea. This section can also provide coverage for animal liability. Check with your agent to see if that coverage is available with your breed of animal.