Ofcourse, there's always a possibility that you or one of your family members or pets accidentally breaks something of someone else or someone else's property. This is especially unfortunate for you, because you could be hold responsible for the financial damage that is caused by someone else. You are covered for these kind of accidents with the Private Liability (PL) insurance. And this coverage doesn't only apply to you, but also for your family members, resident relatives, studying children living away from home, the owner of the house that you're living in and your pets.