What are the basic limits of liability for Coverage E and F in a Florida homeowners policy?

The answer provided is accurate as it reflects the standard liability limits found in a Florida homeowners insurance policy. Coverage E pertains to personal liability, which typically offers protection for bodily injury or property damage to others if the policyholder is found to be at fault. A limit of $100,000 per occurrence is common and means that the insurer will pay up to that amount for any single incident.

Coverage F provides medical payments to others, which is coverage for medical expenses incurred by guests injured on the insured property, regardless of fault. The limit of $1,000 per person is a widely adopted threshold that helps cover reasonable medical expenses for individuals who may sustain injuries.

These limits provide a fundamental safety net for homeowners, being adequate for many situations while encouraging responsible behavior to minimize liability claims. Understanding these coverage limits is essential for policyholders to ensure they have appropriate protection in place.