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Liability Insurance

Liability insurance for homeowners protects those living within your household against lawsuits because of an injury for which you or a family member is at fault. And because you never know what kind of injuries someone will sustain in your home, as well as anywhere else that may have the blame cast upon you, it is a good idea to increase your limits.

Liability Claims Not Covered

Obviously, the liability coverage on your homeowner’s insurance will not cover auto accidents. A separate policy within auto insurance is needed for that. It also will not cover injuries that you or a house member has purposely caused, or your injuries. Contact your homeowner’s insurance providers to clarify exactly what your policy will cover.

Medical Payments Coverage

Your company also most likely offers an optional medical payments coverage, which pays for injuries that have occurred on your property, no matter who is at fault.