How Homeowner’s Insurance Protects You From Personal Injury Liability

Personal liability is a standard part of many homeowners insurance policies. It includes bodily injury and property damage for which you and others living in your house are responsible. Ask the experts at Insurance & Financial Services Inc. for more information on what’s included in your Baton Rouge, LA homeowners insurance. In the meantime, here’s more on how it protects you from personal liability.

What Is Personal Liability Insurance?

Personal liability insurance is available in most homeowners policies, and it covers the cost of lawsuits filed against you for accidentally injuring someone or damaging their property. It can be purchased in a stand-alone policy but is standard in homeowners, condo and renters insurance. Here’s a closer look at the two types of coverage.

Bodily Injury covers you when a mail carrier or contractor is injured on your property. The injured party may decide to sue you for medical bills and missed work. Thanks to personal liability insurance, you don’t have to pay any out-of-pocket expenses, even if you’re legally liable.

Property Damage covers you in cases such as a tree that falls over in a storm, damaging your neighbor’s roof. Homeowners insurance with property damage coverage pays for the damages.

Bodily injury may cover you for events outside your home. For example, your dog could get loose and bite someone. Your homeowner’s insurance with personal liability would cover medical and legal fees if the person bitten takes you to court. On the other hand, your personal liability coverage doesn’t cover you in a car accident.

Contact Insurance & Financial Services Inc. with any questions on what else may be covered by your homeowner’s policy. Feel free to make an appointment for a free quote for your Baton Rouge, LA home.