Liability coverage included in a homeowners insurance policy provides financial protection in the event that you are liable or legally responsible for others’ injuries or property damage. That coverage extends to damage other members of your household, including your pets, may cause. However, if you have a dog and are shopping for home insurance, you … Read more
An essential part of your homeowners insurance policy is the personal liability coverage that it offers. Liability coverage protects homeowners in the event that claims or lawsuits over injury or property damage are made against the homeowner or members of the insured household. Understanding Liability Insurance Standard policies include $100,000 worth of liability coverage, but … Read more
When someone is injured in another person’s home, it’s often difficult to know how to proceed when seeking the compensation needed to cover resulting medical bills and other losses. If an injury was caused by a homeowner, the injured party may need to sue the homeowner in order to receive the money needed to cover … Read more
All standard home insurance plans offer protection to the policyholder for property loss and claims brought against them in the instance that any kind of accident occurs involving guests on their premises. If you find that you’ve been hurt or have experienced damage to your personal property while visiting with someone, it is up to … Read more
Workers within the United States are hurt nearly every seven seconds while on commercial job sites or within businesses, for the most part being covered by their workers’ comp insurance. But there are many unlicensed, uninsured workers who are hurt while performing jobs for homeowners, setting the stage for the insured to tap into their … Read more
Insurance can be a gamble and sometimes you never know when you’re going to need it. Some homeowners never end up using their insurance policies while others file multiple claims a year. Insurance is a gamble. But when gambling with the safety of your home, it’s best to be properly protected. That’s where umbrella insurance … Read more
As drones begin to gain popularity in households, one big question begins to arise: Are they protected under my homeowners insurance policy? To answer this we must consider a couple of aspects when it comes to insurance which are liability coverage and deductibles. The basic answer is yes, they are considered a personal belonging and … Read more
In many cases, yes, home insurance policies cover personal injury. The standard homeowners policy includes liability coverage and medical payments coverage, though there are some exclusions to what is covered. An invited guest is injured, will I be covered? Yes, guests you invite are covered under your liability coverage under the homeowners policy. This coverage … Read more
You love your pit bull and know that wiggly pup with the lazy smile is not interested in anything but cuddling. But because of the breed’s reputation for aggressive behavior, insurance companies may be less than pleased about the pit bull in your home. Whether warranted or not, pit bulls are at the top of … Read more
Short answer: No. Should you get it? Yes. Why? Vacant land isn’t spared from accidents. You’ve heard about wildfires or any other accidents for that matter, right? This is why it is important to get vacant land insurance because you still hold responsibility for anything that happens within the premises. We have covered the basic … Read more
