What Does Liability Home Insurance Cover?

Even the most meticulous homeowners may run into trouble when unexpected circumstances arise and a visitor in their home has an accident. You never know when someone will trip down the stairs, miss a step right off the front porch or injure themselves by running into that very clear glass door you work so hard to keep clean. It’s accidents such as these that liability home insurance coverage could come in handy.

In the case of someone else enduring any type of bodily injury as the result of an accident on your property, you could be held responsible for their medical expenses. Liability home insurance would be there to cover the costs for you. There are some other situations in which having liability home insurance coverage would be beneficial and The Drew Ritchie Agency would like to explain them to you. They are as follows:

  • Pain and suffering: Medicals bills are only part of the equation. Beyond that lies the possibility that you could be held responsible for any pain and suffering endured by a person injured in your home. If found legally responsible, liability could help pay the settlement costs.
  • Wages: If someone was injured badly enough that they were unable to work, liability home insurance coverage may help replace their wages they’d be losing out on during the period they can’t work.
  • Legal costs: If the injured party wanted to sue you over the injury they received while in your home, liability home insurance may help you (financially) be able to obtain a lawyer.
  • Death benefits: While no one wants to imagine that someone else would pass away due to having a fatal accident while on their property, it is a possibility. The average liability home insurance coverage can aid in meeting the needs of the family the deceased loved one left behind.

Of course, there are some exclusions to liability insurance and there are plenty of options to customize your policies. These options would be best discussed with your local insurance agent. The Drew Ritchie Agency would love to help you determine what home insurance policy is right for you.