What Is Home Insurance Liability Coverage?

Accidents can be costly. Fortunately, liability coverage in your home insurance helps protect you and family members who reside in the home.

What if your child broke the neighbor’s window while playing baseball, or your dog bites a friend visiting your home? Unfortunate accidents like these happen every day, and, without liability insurance coverage, you could be held financially responsible for the damage or injury.

What is liability coverage? It’s included in your homeowners insurance and designed to provide protection for you and the members of your household against two types of scenarios:

• Injuries sustained by visitors to your property
• Property damage or injury caused by you or any member of your home

Another part of your homeowners insurance is medical payments coverage. If someone visiting your home slips, falls and sustains injuries caused by an ice patch on the driveway, your liability insurance policy would cover reasonable medical expenses for any non-resident injured on the property, regardless of fault.

Liability protection covers situations where you or a member of your household has caused unintended damage to a neighbor’s property. For example, if a tree that you are cutting down falls on your neighbor’s car, you could be held liable for the cost to repair any damage. In instances like these, your liability coverage would cover any claims made against you.

When accidents happen, they can be costly. Like optional home insurance coverage, liability insurance coverage may provide a valuable layer of protection for you and the members of your household. Most importantly, your liability protection follows you wherever you go, worldwide.
 
If someone is injured in an accident in your home, you’ll want to understand if you’re covered and to what extent. Call Amica at 833-513-3881 833-513-3882 to speak with a representative to assess your coverage needs to ensure you’re protected.

• How Much Homeowners Insurance Do I Need?, Insurance Information Institute, 2017.
• This product is not available in AK and HI.