What is Property Damage Coverage?

Property damage liability coverage helps pay for damage you cause to other people's property in an accident.

What It Covers

• Other vehicles you damage
• Buildings and structures (garages, fences, walls)
• Utility poles and traffic signals
• Mailboxes and landscaping
• Government property (guardrails, signs)
• Other personal property

What It Doesn't Cover

• Damage to your own vehicle (that's collision coverage)
• Damage to your own property
• Intentional damage

How Limits Work

Property damage limits are shown as a single number (e.g., $50,000). This is the maximum your insurance will pay for property damage per accident.

Example: You accidentally hit a parked luxury car and a fence.
- Luxury car repairs: $35,000
- Fence replacement: $5,000
- Total: $40,000 → Covered if your limit is $50,000 or higher

Why Higher Limits Matter

Today's vehicles are expensive to repair:
- Average new car price: Over $45,000
- Luxury vehicles: $60,000+
- Electric vehicles: Can exceed repair estimates for traditional vehicles

If damage exceeds your limit, you're personally responsible for the difference.

Our Recommendation

Consider at least $50,000 in property damage coverage, or higher if you regularly drive in areas with expensive vehicles.