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Homeowners Liability Insurance Information
If you have a homeowners insurance policy, you likely know that it can provide financial assistance if covered perils damage your home or personal belongings. But some homeowners are less familiar with the personal liability coverage that is packaged with most home insurance policies. Homeowners liability insurance can protect you and your family from costly losses arising from allegations that you have caused third-party injury or property damage.
Contact BeachInsure in Atlanta, Georgia, to learn more about our homeowners liability insurance coverage options and to speak to an insurance agent today.
What Is Homeowners Liability Insurance?
No matter how careful you are, accidents can happen. Homeowners liability insurance can financially protect you and your family members if someone is injured on your property or if you’re accused of causing bodily injury or property damage to a third party. In some instances, this coverage extends to liability claims stemming from events that occur off-property.
What Does Homeowners Liability Insurance Cover?
While individual policies may vary, there are two primary components of liability coverage that your homeowners liability insurance may provide, they are:
- Personal liability coverage can cover legal expenses (e.g., defense costs, legal fees) if you’re accused of causing someone bodily harm or damaging their property. This may provide financial protection for covered losses occurring on- and off-property.
- Medical expenses coverage can cover medical costs arising from bodily injury on your property. Additionally, if an insured is responsible for a third party’s injury, homeowners liability insurance may help cover lost wages and pain and suffering. It may also provide death benefits (e.g., funeral costs) if a third party dies after an accident on your property.
A standard homeowners liability insurance policy will generally not cover intentional injury or property damage. Coverage for bodily injury resulting from dog bites may vary depending on the dog breed and other factors.
Contact BeachInsure for more information on our homeowners liability insurance coverage solutions and to speak to an agent today.
How Much Homeowners Liability Insurance Do I Need?
If you or your family are sued for causing bodily injury or property damage to a third party, you risk losing all of your assets (e.g., savings accounts, retirement accounts, property). For this reason, you may consider purchasing enough liability coverage to protect the total value of your assets. Most homeowners liability coverage options start with $100,000 of coverage, but you can typically purchase more.
Call BeachInsure to learn more about the homeowners liability insurance we provide.
Getting Homeowners Insurance
At BeachInsure, we understand the value of protecting your family from financial hardship. Contact us today to learn how our independent agents can help you find the insurance coverage you deserve.