Call Us 800-317-6122 ☰ ˟
Logo
Call Us 800-317-6122
  • HOME
  • GET A QUOTE
    • Personal LinesImage of right arrow
      • Homeowners
      • Automobile
      • Umbrella
      • Motorcycle
      • Recreational Vehicle
      • Rental Property
      • Specialty Automobile
      • Flood
    • Commercial InsuranceImage of right arrow
      • General Liability
      • Commercial Auto
      • Workers Compensation
      • Bonds
      • Commercial Property
      • Builder’s Risk
      • Business Owners Policy
    • Life & Health InsuranceImage of right arrow
      • Disability Insurance
      • Life Insurance Home
      • Health Insurance Home
      • Long-Term Care Insurance
      • Group Health
  • RESOURCES
    • Refer a Friend
    • Client Services
    • Insurance Glossary
    • Make a Payment
    • Make A Claim
  • ABOUT US
    • About Us
    • Our Locations
    • Privacy Policy
  • CONTACT
  • OUR AGENCIES
    • Deming Insurance Agency
    • Prindle Insurance
    • Raynard & Peirce Insurance
    • Simsbury Insurance Center
    • Tangarone & Prelli Insurance
    • WJ Irish Insurance
Home > Blog > How Homeowners Liability Insurance Covers You
TUESDAY, JANUARY 19, 2021

How Homeowners Liability Insurance Covers You

A home insurance policy is about more than just protection for your dwelling and possessions. It also protects you when you are legally responsible for paying someone because you caused them harm. That benefit comes from a properly designed homeowners liability insurance policy.a large lawn in front of a house

 

Let’s take a closer look at this coverage. 

 

What is homeowners liability insurance? 

 

A situation might arise where a friend, neighbor or even a stranger might allege that you caused them physical or monetary harm. Though you of course didn’t expect these accidents to occur, that doesn’t mean that you aren’t responsible for them. The affected party might even sue you for the costs of these losses. At this time, you can file against your homeowners liability insurance to help you provide them with the necessary compensation. 

 

The benefit of having this coverage is that it accounts for the fact that you cannot eliminate the risk of someone demanding compensation for even a seemingly minor accident. All it all, it makes it much easier for you to respond to someone else’s issue that was a result of your mistakes. 

 

There are several types of third-party losses that liability insurance will cover, including: 

  • Bodily Injuries 

 

There is a chance that someone might get hurt in your home, such as by falling after tripping on a broken step. At this time, because you neglected to fix the step, you might be responsible for the injury. This coverage can pay for that person’s medical bills, lost income and other financial settlements. 

  • Property Damage 

 

You might be responsible for accidentally damaging someone else’s belongings. For example, there’s a chance that when checking on a neighbor’s home while they are on vacation, you leave a faucet running and flood the home. If the neighbor sues you over the accident, then you can compensate them using your liability coverage. 

  • Accidental Medical Payments 

 

Someone might get hurt in your home, but you might actually not be at fault for their injury at all. However, if this person requests help paying for their medical bills, then this coverage can help them. 

  • Personal Injuries 

 

Sometimes, the harm you do to someone else might be to their reputation. For example, someone might sue you and claim you libeled them. This coverage can help you pay for any legal fees or other costs arising from the suit. 

  • Pet Bite Liabilities 

 

If you have a pet, then there is a chance that they could bite someone, no matter how well you have trained them. Your pet bite liability insurance can help you compensate the unfortunate victim. However, this coverage might exclude certain breeds. 

 

It’s important to consult with your home insurance agent when putting together your liability coverage. They know how to recommend enhancements and endorsements to your plan to maximize its effectiveness. 

Posted 6:17 PM

Tags: homeowners, policy, coverage, insurance, liability
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(8)
  • coverage(7)
  • auto(4)
  • auto insurance(3)
  • bop(3)
  • car(3)
  • liability(2)
  • general liability insurance(2)
  • umbrella insurance(2)
  • business(2)
  • policy(2)
  • commercial(2)
  • workers compensation(1)
  • general(1)
  • homeowners(1)
  • classic auto insurance(1)
  • vehicle(1)
  • flood insurance(1)
  • antique(1)
  • owners(1)
  • rates(1)
  • classic(1)
  • damage(1)
  • commercial auto(1)
  • collision(1)
  • umbrella(1)
  • business owners policy(1)
  • credit(1)
  • high value home insurance(1)
  • home insurance(1)
  • travel insurance(1)
  • classic car insurance(1)
  • personal(1)
  • commercial auto insurance(1)
  • score(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
Main Office
1760 Ellington Road | South Windsor, CT 06074
P: 800-317-6122 | info@newberryagency.com
Social Social Social
Logo

Powered by Insurance Website Builder