How does liability coverage work in homeowners insurance?

This hour, Paul and Courtney open up with the Real Estate Tip of the Week as well as a topic throughout the show involving home insurance and how you can stay up to date on prices and your own premiums before opening up the phone lines hearing from listeners on a home flooding issue, flood prevention methods that work best both before and after a flood, handling leaks behind drywall in your home, and how liability works in your homeowners insurance regarding contractor work?