Personal liability coverage protects assets by covering claims and damages resulting from accidents, in or out of an insured home, which results in a bodily injury or property damage. Personal liability coverage includes medical bills, legal fees and other protections, up to your coverage limits, even if the claim does not stand up in court.
What does personal liability insurance cover?
- Bodily injury to an individual
- Property damage
Personal liability coverage also pays for damage caused by your pets. According to a study by the Insurance Information Institute, one-third of all homeowners’ insurance liability claims pay outs reported in 2014 were due to dog bites.
Home liability insurance is included in all homeowner’s insurance policies. Homeowners may choose to raise the basic limits for additional costs for increased protection. For even more protection, homeowners may want to consider personal umbrella liability insurance. Umbrella policies can help to cover costs if there is a serious accident that exceeds policy limits.
Do you need more information about homeowner’s insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.
*Please review your own policy carefully for details on homeowners insurance. Homeowner’s insurance varies by insurance company and policy.