How Your Home Insurance Covers Lawsuits Against You

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Always Choose Your Home Insurance Policy Carefully After I purchased my first home, I was so eager to get my home insurance policy activated that I quickly ordered a policy online with no guidance from anyone more experienced with home insurance policies. I thought they were pretty much "all the same" and didn't realize that there were specific features that were important in my new area, such as extra flood insurance. I didn't even realize my new home was in a flood-prone area, but I quickly learned my lesson when a heavy rain led to water accumulating in my basement. Thankfully, the flooding was not too severe, but I then put a lot of research into home insurance policies to be sure I updated my policy with all of the coverage options I needed. I am eager to help others navigate the complicated world of home insurance by posting what I learned on my new blog!

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Your home is the place you live, raise your family, and make memories, but there are also times when things can happen at your home that are not so pleasant. For example, if someone comes to your home and ends up injured, this person can sue you for the damages. Fortunately, your home insurance policy should cover the costs of these damages, and this is because most home insurance policies offer liability coverage.

What Is Liability Coverage?

Liability coverage is something that comes with most home insurance policies, and it is solely designed to protect you and your possessions from lawsuits. If, for example, a mail carrier brings a package to your door but trips over uneven ground, he or she could sue you for damages if this fall resulted in an injury. If you did not have liability coverage and were found liable, you would be responsible to pay for the cost of the damages out of your pocket. Liability coverage is a necessity, as a lawsuit could rob you of everything you own. This type of coverage is designed for any type of injury, including injuries or deaths that occur from a swimming pool you own, or any other type of incident that occurs on your property.

What Does Liability Coverage Pay For?

When you have liability coverage, it will cover damages and injuries for any type of accident that occurs on your property to guests. It does not cover injuries that occur to your own family members, though. If someone gets injured and sues you, your policy should provide coverage for the cost of the medical bills the person accrues for the injuries as well as any legal bills you may encounter due to the incident. There is a maximum amount of coverage your policy will offer, though, and you should make sure you have at least $100,000 of liability coverage.

What Should You Do If Someone Sues You?

If someone gets injured and decides to sue you for the injuries, you should contact your home insurance company. They will be able to tell you how to handle the issue and the claim, and they will be there to help you through the entire process.

If you have questions about your home insurance policy and the liability coverage it offers, ask your agent. If you would like a quote from a new company, contact a homeowner's insurance agency like Homeowners Insurance Houston today to learn more.

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