How Does Home Liability Insurance Coverage Work?

Home Liability Insurance in San Diego, CA

Liability insurance is designed to protect policyholders when something goes wrong that is arguably their fault. Homeowners require a particular type of liability insurance because they can potentially face a variety of legal threats for events occurring on their property. To help you better understand how to keep yourself protected, the insurance experts at Tri-Star Insurance San Diego are here to guide you through some of the important facts regarding home liability insurance.

The Liabilities Homeowners Can Face

Each year, many homeowners find themselves facing financially extravagant liability claims. This is because courts have long held homeowners personally responsible for bodily injury or property damage occurring on their premises. You could face significant costs if you are deemed liable for the injuries of someone who tumbles down your porch steps or if a tree on your property falls and damages someone’s vehicle.

Liability Insurance Coverage

A home’s liability insurance coverage is sometimes included in a broader San Diego home insurance policy. Many home liability insurance policies also offer a personal umbrella policy at an extra cost, which provides even more coverage beyond the liability policy’s stated limits. Comprehensive home liability insurance coverage can protect you against a variety of situations. Most home liability policies cover medical bills and pain and suffering, but they can also reimburse for lost wages, pay out death benefits, handle homeowners’ legal expenses, and sometimes even cover damage homeowners cause while away from home.

Coverage Exceptions

Home liability insurance does not provide a shield against every single situation. It usually doesn’t cover purposefully inflicted injury or damage, for example. If you become angry and push a solicitor off your porch steps and cause injury to that person, you will probably not be insured against any claims.

Policy Limits

Home liability insurance policies frequently only pay up to set dollar limits. This makes it important to set your liability coverage limits smartly. Any costs exceeding a home liability insurance policy’s monetary limits are usually the responsibility of the policyholder.

At American Tri-Star, we want to make sure you have the coverage you need to keep yourself protected in the event of a claim. For more information on home liability insurance, or for car insurance quotes San Diego drivers appreciate, give us a call at 619-272-2100. We hope to hear from you soon.