Homeowners insurance protects your home if it is damaged, but the policy also offers more protection than many are aware of. A personal liability policy is included in almost all homeowners’ policies. The standard homeowner’s policy covers you up to $100,000 for liability for injuries or accidents. You may buy more coverage than that, which will increase your rates to some degree. To ensure you have the right insurance for your situation, contact Palm Valley Insurance Inc. in Ponte Vedra Beach, FL.
Understanding Personal Liability Coverage
You can ask your agent to read the policy to ensure it has personal liability coverage. It’s also good to have coverage for your home’s contents, which can be part of a homeowners’ policy.
Liability coverage applies to all family members who live in the house that is covered. It does not cover renters or non-family members who live with you. It may only cover immediate family.
Homeowners’ policies will cover accidents on your property, such as a fall on the sidewalk or in your driveway. Personal liability coverage adds to things that happen outside the home or even off your property.
If your kid hits a baseball through a neighbor’s window, or hits someone with the ball, you will be covered under the personal liability policy. You would also be covered if your dog bites someone, even if not on your property. Libel, slander, and even food poisoning would be covered as well. You would also be covered if you damaged a hotel room or someone else’s house.
Contact Palm Valley Insurance Inc. in Ponte Vedra Beach, FL, today to make sure you have the right policy for your situation. They can help you adjust your policy for your life situation or find the right policy for you if you are a new customer.
