Home insurance – What is liability insurance?

TL;DR
The insurance that covers if someone gets hurt at your place. And/or sues. Jerks.

So, there’s a little nagging coverage that’s included in all sorts of insurance policies – car insurance, home insurance, even renter’s insurance. It’s called liability coverage, and some people wonder why it’s even necessary. What does it do?

Well, wonder no more!

Liability insurance is the part of your insurance that covers if someone gets hurt in a place that you are responsible for.

In this case, we’ll talk about your house.

Get a home insurance quote

Let’s say you leave a hose on your lawn. Someone bites it and busts open their face on your driveway. You can legally be responsible for their medical bills. And they could sue you. Which would stink.

Liability insurance can help you cover the cost of their medical bills and/or help you with legal fees if they sue.

Now, there are 3 things you’ll need to remember about liability coverage:

1. Liability insurance can also help you cover claims of property damage. So, that’s a handy thing. Make sure you know how your liability coverage works and what circumstances would be covered.

2. There are 3 types of people that can come to your property: Invitees, Licensees, and Trespassers. You might be held responsible for the injuries of all three types, and liability insurance could help you cover it.

3. There are things called “attractive nuisances.” Things like pools, trampolines, playgrounds, etc. make it really tempting to come to your yard. These things are also really easy to get hurt on if you’re not being careful. You’ll want to take the right safety measures for these “nuisances,” and you’ll probably want more liability coverage – just in case.

Have questions? Chat with us now.

Want someone else to be responsible for finding your home insurance? Our experts are great at that. So, give them a call, fill out a form, or slide into our DMs to start getting quoted. We like making insurance easy.

Leave a Comment