What is the standard minimum limit for Coverage E (Personal Liability) on an ISO homeowners policy?
Explanation
The ISO homeowners forms list $100,000 per occurrence as the standard Section II personal liability limit, although insureds routinely buy higher limits such as $300,000 or $500,000, or purchase an umbrella policy to sit above the homeowners. Coverage E pays sums the insured is legally obligated to pay as damages because of bodily injury or property damage covered by the policy.
Law Reference: ISO Homeowners Section II, Coverage EThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- On a standard owner-occupied HO-3, what is the customary built-in limit for Coverage C (Personal Property) as a percentage of Coverage A?
- An insured family's home becomes uninhabitable after a covered fire and they must rent a similar apartment while repairs are completed. Which Section I coverage pays for this additional living expense?
- A visitor slips on the insured's icy front step and incurs a $1,800 ER bill. The insured was not negligent. Under a standard HO-3 with $1,000 Medical Payments to Others, how does the policy respond?
- Under California Insurance Code §10081, when must an insurer that writes residential property insurance offer earthquake coverage to the applicant or insured?
- After the Governor declares a state of emergency for a wildfire, California Insurance Code §675.1 prohibits an insurer from canceling or non-renewing a homeowners policy for property in or near the burn area for how long?
- A heavy rainstorm causes a nearby river to overtop its banks, and floodwater enters the insured's basement, ruining the carpet and furnace. Under an unendorsed HO-3, how is this loss handled?
Last reviewed: · editorial process