When most people think of the need to file a homeowner insurance claim, they think of incidents like fire, tornado, theft, smoke damage, or damage from large falling objects such as tree limbs. At August Vincent Insurance Agency in Crystal Lake, IL, we recognize that there is much more to homeowner’s insurance than just the obvious. We aim to equip you with knowledge and understanding that will give you peace of mind, beginning with a vital aspect of your policy: liability coverage.
What is Liability Coverage?
Liability coverage is included in homeowners’ policies to safeguard you if you’re found liable for damage to another’s property or if someone is injured on your property and seeks to sue. Imagine a scenario where a fire on your property spreads to your neighbor’s home, causing severe damage. In this situation, your liability coverage would cover the financial burden when your neighbor seeks compensation for their losses.
Consider another scenario: You’re hosting a birthday party for your child, and one of their friends falls through a weak area on your front porch and requires medical attention. In this case, your homeowner’s policy’s liability coverage would cover the injured child’s medical expenses.
If you’re sued for damages beyond medical expenses, like for pain and suffering, your liability insurance can cover your legal fees. Furthermore, it can cover the costs of the injured party’s pain and suffering or death benefits if someone tragically loses their life due to a severe accident on your premises.
Be Covered With Confidence
If you have any questions about liability insurance or want to ensure that you’re adequately covered, regardless of the circumstances, call August Vincent Insurance Agency in Crystal Lake, IL. Our agents would be pleased to answer your questions and give you the confidence that you’re financially protected.
