Personal Liability Insurance: Who and What Does It Cover?

Personal Liability Insurance is one of the most common components of homeowner’s insurance and renter’s insurance. Also known as liability coverage, it essentially covers the cost of damages you’re responsible for within your home. The common damages covered are injuries and property damage.
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Now that you know the background of liability coverage, you should also know its specifics. Things such as who it covers and what it covers are essential to know before purchasing liability insurance. Let this article guide you through the coverage aspect of personal liability insurance.

Who Does It Cover?
Since personal liability insurance is a component of homeowner’s insurance, generally, everyone living in your home is covered. Your spouse, children, and parents who live with you are the usual people covered by the policy. Moreover, employees working in your home, like child care providers and caretakers, are also included in the coverage. 

On the other hand, personal liability insurance does not cover tenants and renters living in your home. They can have a separate policy called a renter’s insurance policy to enjoy benefits such as liability coverage for renters. 

What Does It Cover?
Personal liability insurance offers comprehensive coverage that includes various incidents and situations to ensure maximum protection. Below is a list of some of the common cases covered and the uncommon conditions included in the policy. 

Pet-related injuries 
Pet-related injuries, specifically dog bites, account for more than one-third of home personal liability insurance claims. Dog bite claims can cost you thousands of dollars in damages which can raise significant financial problems on your part. Ensure that your policy covers your dog breed or pet type.

Slip/fall accidents
Unfortunate accidents by visitors within your home are generally your responsibility. Not only do these accidents result in expensive medical bills, but you can also receive a lawsuit from them. Your liability coverage makes sure that you don’t have to face a sudden substantial financial burden from these.

Defamation
This situation might be unexpected, but some insurance policies can cover this. If your policy includes this, the litigation costs of being accused of libel or slander are covered by your insurance. Remember to review your policy about this since it contains exclusions. 

Conclusion
Liability claims are troublesome if you don’t have the proper protection from them. The amount of financial burden resulting from it can put you in a tight spot. Make sure that you have appropriate homeowner’s insurance that offers excellent coverage and protection from these claims.

At Arnold Insurance Agency, LLC, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (318) 965-5953 or Click Here  to request a free quote.