What is Property Damage Liability: 

Property Damage Liability pays for damage to other people's property resulting from an accident caused by your auto for which you are legally responsible. It also covers your legal defense if you are sued as a result of an accident. 

Why do I need this: 

If your operation of a covered vehicle results in your being legally responsible for damage to someone else's property- for example; a car or building- as the result of an accident when you are operating your auto you may be required to pay for that damage. If the property damages are high, your assets- Including your home, savings and future wages- may be at risk. Property damage liability helps protect your assets. 

How much coverage  do I need? 

Individual states have different minimum requirements for Property Damage Liability insurance. If you lease a car, your lease contract will typically require you to maintain minimum Property Damage Liability Coverage of $50,000.00. 

You should buy enough Property Damage Liability coverage to adequately protect your assets.