The liability coverage on your homeowners or renters insurance policy covers you for your responsibility for property damage or bodily injury. It’s not always easy to think of an example, but here is a news article in which a homeowners insurance policy paid $100,000 to a man who broke his spine in the course of a search and rescue attempt.
http://www.latimes.com/local/orangecounty/la-me-0117-hiker-rescue-20150117-story.html
Jonathan Edewards 