Personal Liability Insurance
By personalliabilityinsurance
Personal Liability Insurance
Personal liability insurance is designed to protect you and your family members against claims resulting from damages or injuries to other people or their property. It is a component of a homeowners insurance or an umbrella insurance policy, but can be bought separately as well. The policy covers your expenses when you are responsible for the damages or injuries whether you are at your home or anywhere else. Personal liability insurance provides coverage in situations like the follows: a. Someone is injured on your property, and it’s your fault. b. You accidentally cause damage to someone else’s stuff, or place. c. Someone (or a pet) listed on your policy causes damage to someone else. Personal liability insurance also covers legal expenses like: a. Medical expenses of the claimant b. Property damage expenses of the claimant c. Pain and suffering expenses of the claimant, etc. However, no coverages will be available in the following cases of: 1. Bodily Injury, if: a. You, or someone listed on your policy, is injured. b. Someone is injured on your property when you were not at fault. 2. Property Damage, if: a. You cause damage to someone’s place or stuff intentionally. b. Your car damages someone’s place or stuff (auto insurance covers this, if you have one) c. You conduct business operation from your home, and someone gets injured or something is damaged in the course. d. A property that is rented to you is damaged. To learn more about Personal Liability Insurance, follow this link: http://quotezebra.com/personal-liability-insurance/.