Does Home Insurance Cover Visitor Accidents on My Property?

With home insurance, you can get different types of coverage to protect your home, valuables, and personal assets. These include dwelling, property, and liability coverage. Liability is the coverage that protects you against accidental injuries that may occur on your property. Here’s how liability insurance from Insurance Solutions Inc. can benefit you.

Protection against Accidents

Like most Cullman, AL homeowners, you probably have friends over to your property from time to time for special dinners or holiday parties. If a friend’s injured in an accident while visiting your home, you may be held liable for their medical costs. Liability insurance covers accidental injuries, saving you from having to pay for these bills on your own.

Kitchen mishaps, slips, and falls and dog bites are just a few of the many mishaps that can happen in a home. A serious accident can take a toll on your finances if you had to pay for accidental injuries on your own. That’s why it’s important for Cullman, AL homeowners to include liability coverage as part of their home insurance package.

Protection against Lawsuit

If you’re sued for damages due to an accident on your property, liability insurance will help cover your legal costs. This includes legal fees and cost of settlement, if you lose the lawsuit, up to the limits of your policy.

The more assets you have, the greater your need for liability coverage. Serious liability claims can deplete your savings or retirement funds or cut into your financial investments if you had to resolve these claims on your own. By purchasing sufficient liability coverage to protect your assets, you can be prepared for mishaps that may occur in your home.

For more information on home insurance coverage and costs, contact Insurance Solutions Inc. today.