A typical component to homeowners’ insurance is liability coverage. Liability coverage is a great measure to put in place to protect you from paying out of pocket if someone was injured at your home or their property was damaged at your home. With our home insurance options at Advisors Insurance Agency , we walk you through what you can afford to pay on a homeowners’ insurance policy that ensures the most protection for accidents, yet doesn’t break your bank at a yearly premium.
If someone were injured or their property was damaged at your home, liability protection could cover loss of income, medical bills, pain and suffering claims (long-term care) and other damages. This means, if you pay for $100,000 worth of liability protection and you were sued, the insurance policy you hold would pay up to that amount and the rest would be out of pocket. Some common incidents that people sue for, and your liability protection would cover, are:
Some loopholes in liability protection coverage include strict liability cases like dog bites or intentional acts on the homeowner’s part. This means, if someone were purposefully assaulted on your property, they could sue you and your homeowners’ coverage would not cover your legal fees or their medical expenses.
For a comprehensive review of your home coverage, reach out to our team today! We would be happy to walk you through all aspects of insurance, whether that be home,
auto,
business or
life! With Advisors Insurance Agency, we guarantee that we will find you the best rates across the state of South Carolina to ensure your insurance policies are properly funded, properly managed, and cover the expenses that you need most.
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