Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Aug 19, 2014

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Insurance Question from Landenberg, PA

Asked on 08/19/2014

Can we get a homeowners insurance without liability coverage. NULL

Answer given on August 20, 2014

A homeowner insurance policy is considered a ‘package policy”. It includes insurance coverage for your home plus the liability portion of coverage. Before there were homeowner policies people had to purchase a fire policy for the home and contents and then a separate policy for the liability portion of the insurance.By making this a package deal the premiums are lower than if you were to purchase them separately. It also simplifies everything for the insurance agent as well as the customer.It seems to be a bad idea to want to only insure your home without liability protection. If someone is injured at your home, or even if you cause an unintentional injury to someone anywhere in the world, your homeowner liability coverage will defend you and pay for any such injuries. Of course, this does not include liability involving an automobile, since that liability is provided by the auto insurance policy. If you do not have liability insurance and cause injury or are considered negligent, you would have to pay the damages or settlement out of pocket. The portion of the liability coverage of the homeowner policy is negligible compared to that possibility. Also, if you have a mortgage on the home the lender may not allow you to not have liability insurance.


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