What is Homeowners Liability Coverage?

As we wrap up our series on basic homeowners coverage, if you are in need of a review here are the links to our previous posts:

This week we are breaking down liability coverage. What does this cover?

Let’s say you are having some furniture delivered to the house. One of the delivery people are injured taking it up the steps to your house. One of the stairs was rickety and the delivery person has a broken ankle. When the claim is filed, your homeowner’s insurance covers the medical bills for the injured person. 

Personal liability claims can include medical bills, legal fees, and more! If you have personal liability coverage you could avoid paying out of pocket for any incidents on your property. 

This will also help cover any physical damage done to another’s property due to your negligence. 

Here are some things that this coverage will help take care of:

  • Bodily injury or property damage caused intentionally by you or a family member in your home
  • Injuries or damages sustained by you or family members in your home
  • Injuries or damages sustained by your family’s pets

The most important part in all of this is to review your policy. You must understand your policy so that in the event of a claim, you know what is covered. If you need a review or have questions regarding your policy, click the link below and give us a call!