Home insurance can protect you against covered damage to your home, but did you know it may also protect you from lawsuits? If you’re in the market for home insurance in Rochester Hills, MI, or would like to upgrade your policy, the agents at Guy Hurley McNeil can help. You can also ask us about what type of home insurance provides legal protection. Keep reading to learn more!
What Is Home Insurance Liability Coverage?
Personal liability coverage is included in most home insurance policies. It handles the legal costs if you face a lawsuit due to personal injury or property damage due to events listed on your policy. On the other hand, if someone hurts themselves on your property, you could face serious legal bills if you don’t have liability coverage.
Examples of Lawsuits Covered by Home Insurance
Accidents in the home are common causes of claims. If a visitor gets hurt while spending time on your property, you may have to pay medical expenses. Here are a few examples to consider when setting your policy limits:
- Overserved guest: If someone drinks too much at your weekend mixer and then gets into an accident, they could sue you for damages.
- Trips and falls: Icy sidewalks or slippery floors can cause passersby or guests to slip or fall. Alternatively, someone could trip over a driveway crack. Without liability coverage, you could face serious financial obligations.
- Pool or trampoline injuries: If the neighbor’s kids get hurt in your pool or on your trampoline, they can sue you for medical expenses.
- Dog bites: Check your policy carefully for breed restrictions on this coverage.
We can help you protect your family against significant financial burdens with liability coverage baked into your policy. For more information on home insurance coverage in Rochester Hills, MI, contact the experienced staff at Guy Hurley McNeil.