When you look at all of the coverage you get with your homeowner’s insurance in Peoria, you’re going to see home liability. This form of insurance has the ability to add additional protection. What kind of protection? It can vary on a case to case basis, but it has to do with someone becoming injured on your property.
There are many ways someone can become injured, such as:
- Dog bite
- Slip and fall
- Falling off roof
- Tripping in yard
The list can go on and on. Regardless of how the injury happens, you can be held liable as the homeowner and thus financially responsible, too. This can make it hard for you to keep your head above water because the number of things you could be held financially responsible for can be extensive.
Depending on the level of injuries, you may have to pay for a lot. The additional protection can provide financial assistance with the following.
Legal expenses: If you get sued, hiring a lawyer becomes a necessity.
Medical bills: Even if a person has health insurance, their medical bills will add up and become your responsibility.
Wages: Any word the injured person misses can fall to you to make up so they can continue to bring in income.
Pain and suffering: This is often in the form of a settlement for the person who was injured.
The liability coverage can provide financial help in all of these areas so you don’t go broke. You simply have to have the right limits in place so a claim can take care of all of it.
Call and speak to one of our independent insurance agents at Schaller & Thomas Family Insurance to learn more about home liability insurance and how you can add protection to your homeowner’s policy in Peoria, Arizona.