How Your Personal Liability Covers You Away From Your Home

When you think about home insurance, you probably think about the protection it provides for your home, your belongings, and your family. But did you know that most home insurance policies also include personal liability coverage? This type of coverage can provide protection if you are sued for damages or injuries that you or a member of your household cause to someone else. This is even if the incident occurs off your property. 

For example, let’s say you are out running errands and accidentally bump into someone, causing them to trip and fall. If this person decides to sue you for their medical expenses and other costs, your personal liability coverage would help to pay for these expenses. It would also include any legal fees that you may incur. 

This coverage can also provide protection if someone is injured on your property and decides to sue you for damages. This can include injuries that occur in your home, on your front lawn, or in your backyard. 

It’s important to note that personal liability coverage has limits. Your home insurance policy will outline the maximum amount of money that the insurer will pay out in the event of a claim. If damages you are sued for damages that exceed your policy’s limits, you are responsible for paying the difference out of your own pocket. 

Overall, personal liability coverage is an important aspect of home insurance. It provides protection for you and your family in the event of an accident or injury that occurs off your property. Make sure to carefully review your policy. Be prepared and understand the limits of your coverage. Be prepared if you ever have to use it. 

Personal Liability Insurance Questions – We’re Here To Help!

If you have any questions about your home insurance policy or personal liability coverage, please reach out to your Hertvik Insurance agent.