Liability covers you if you accidently damage someone else’s property. As an example, I had a client whose house caught on fire and that fire caused their neighbor’s garage to catch on fire. So, my client became responsible for putting back the garage and everything that was in it. Liability can be tricky coverage because if you do not have enough coverage, you could open yourself up to a lawsuit. Having said that, if you do have enough coverage, once you file a claim, you will more than likely not hear back from the insurance company or the injured party.