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.tSomeone is injured on your property, and itu2019s your fault. b.tYou accidentally cause damage to someone elseu2019s stuff, or place. c.tSomeone (or a pet) listed on your policy causes damage to someone else. Personal liability insurance also covers legal expenses like: a.tMedical expenses of the claimant b.tProperty damage expenses of the claimant c.tPain and suffering expenses of the claimant, etc. However, no coverages will be available in the following cases of: 1.tBodily Injury, if: a.tYou, or someone listed on your policy, is injured. b.tSomeone is injured on your property when you were not at fault. 2.tProperty Damage, if: a.tYou cause damage to someoneu2019s place or stuff intentionally. b.tYour car damages someoneu2019s place or stuff (auto insurance covers this, if you have one) c.tYou conduct business operation from your home, and someone gets injured or something is damaged in the course. d.tA property that is rented to you is damaged. To learn more about Personal Liability Insurance, follow this link: http://quotezebra.com/personal-liability-insurance/.
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