Liability

Enjoy reading about homeowners insurance.
Compare home insurance quotes
Use our free comparison tool to compare rates from the best providers in your area

Explore home insurance articles

Does Home Insurance Cover Icy Sidewalk Injuries?

Homeowners insurance will cover slip and fall injuries on icy sidewalks in some cases when a homeowner is found liable. However, it is important to understand the scenarios when such injuries are not be covered.

Does Renters Insurance Cover Personal Injury?

Renters insurance is becoming mandatory for rental properties as more landlords demand tenants to get insurance. If you’re renting an apartment, house, or townhouse, you can buy renters insurance before you sign the lease. Renters insurance is affordable at only $150/year for the average policy and it protects all your personal belongings. Did you know ... Read more
Canine Liability Exclusion

Canine Liability Exclusion

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
Homeowners Insurance Liability Coverage And Limits

Homeowners Insurance Liability Coverage & Limits

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
Suing Homeowners Insurance For Injury

Suing Homeowners Insurance for Injury

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

How To File A Claim Against Someone Else’s Homeowners Insurance

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
Does Homeowners Insurance Cover Injured Workers?

Does Homeowners Insurance Cover Injured Workers?

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
What Is Not Covered By An Umbrella Policy?

What Is Not Covered By An Umbrella Policy?

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
Homeowners insurance coverage and drones

Does Homeowners Insurance Cover Drones?

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
Does homeowners insurance cover personal injury?

Does Homeowners Insurance Cover Personal Injury?

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

Homeowners Insurance With A Pit Bull

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
Is vacant land insurance required?

Vacant Land Insurance: Is It Required?

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

Thank You for Visiting HOIC