When you live in the Catalina Foothills of Arizona, you want to make sure that you have a great homeowner’s insurance policy. Amongst your coverage is home liability. It is important to know exactly what your policy covers so that you can choose to add on additional coverage if it requires.
Various accidents can take place in your home. Whether a neighbor comes over and the dog bites them or someone accidentally falls down the stairs, there is the potential for someone to get hurt.
Your coverage options are going to help provide financial stability in the event that you become financially responsible for these injuries.
One of the top coverage options is that of legal costs. If someone becomes injured on your property, there is a good chance that they are going to sue you. You want to make sure that your legal expenses are covered so they don’t come out of pocket.
Once held liable, you may be responsible for such expenses as medical bills, a pain-and-suffering settlement, lost wages, and more. Depending upon the severity of injury, this can add up to tens of thousands of dollars. It’s much easier to file a claim with the insurance company than to go broke trying to keep up with all of these expenses.
Various limits can be established on the various aspects of your home liability insurance. This can ensure that you are covered in all areas. It can also be advantageous to explore a personal umbrella policy, offering additional liability protection beyond what is in your homeowner’s policy. It’s just another way to avoid paying out-of-pocket if something happens.
At the Shaner Insurance Group Inc. we work with homeowners on home liability coverage and much more. Learn about your options and get quotes with the help of our agents by calling today.