What is personal liability in homeowners insurance

The personal liability insurance within your home insurance policy is coverage designed to provide protection incase someone is hurt or injured on your property. It can help pay for medical bills and legal fees that are the result of someone being hurt or injured within your home.

As an example is someone falls within your home you can be legally responsible for their injuries. If you have a pool that your neighbors love to use during the summer, there’s always a chance someone can be hurt and you will be liable for their injuries and medical bills. With a good homeowners insurance policy the liability insurance in the policy can protect you. 

Most homeowners insurance policies carry a minimum of $100,000 in personal liability coverage. What this means is the insurance company will cover you for up to that amount if someone is injured on your property. If you believe you will need more protection than the minimum you will need to ask your insurance agent to raise the amounts. This will of course more than likely come with a higher home insurance payment. 

If you need personal liability protection give us a call! Our agents would love to help you get better home insurance. They are incredibly nice people and they have access to the best rates in the insurance industry. Call us today at 916 313 6100

What personal liability homeowners insurance covers

Personal liability coverage can protect you for a variety of situations. Some you may be legally responsible for if someone else is hurt or injured in your home. In other situations it may be on property that you don’t own. Below we go over a few of the more common personal liability claims;

• Medical bills that result from a visitor’s injury at your home
• Legal expenses resulting from lawsuits that seek to recover damages that are potentially covered by the policy
• Bodily injury or property damage that results from your negligent acts or omissions
• Bodily injury or property damage caused by your pets

Medical payment personal liability insurance

One other type of personal liability homeowners insurance coverage is for medical payments. This basically protects you if someone is injured on your property which results in medical bills. Usually a homeowners insurance policy provides for payment of any necessary medical expenses if someone is hurt on your property. This is covered regardless of whom is legally responsible. Most medical payments coverage starts around $1,000 per person. If you need more than that please speak with your homeowners insurance company or the agent that wrote your policy. 

What isn’t covered?

Now that we know of some of the things covered, what isn’t covered under personal liability insurance? Below we go over a few common examples of what may not be covered;

• Liability that results from a car accident. These claims should be covered by your car insurance.
• Bodily injury or property damage caused intentionally by you or a family member.
• Injuries or damages sustained by you or other covered residents in your home.
• Bodily injury or property damage arising out of any business conducted by you or arising out of your professional activities. Claims that arise while you are engaging in any business-related activities should be covered by a business insurance policy.

Liability coverage exclusions 

Most homeowners insurance will not cover all situations regarding bodily injury and or property damage. Regardless of who may be responsible. The majority of homeowners insurance policies will include exclusions and exceptions. It is very important that you understand the details within your home insurance policy and the coverage you have. 

If you would like to better understand your homeowners insurance policy terms please reach out to one of our wonderful agents at Eugene C Yates Insurance Agency. They’re experts when it comes to home insurance and have some of the best rates in the industry! Call us today at 916 313 6100