Liability coverage is always important to have as part of your homeowner's insurance policy coverage in case of unexpected incidents occurring. Let’s say a guest in your home is injured from a fall or your lawn mower throws a rock into a neighbor's window. Liability coverage steps in and helps with legal fees and/or medical expenses that you could be liable for as a result of a covered accident. Personal liability coverage is a part of most insurance policies, but not all. HomeFirst® is dedicated to educating you about coverages and helping you identify what coverages best fit your needs.

How Much Liability Coverage Do I Need In My Homeowners Policy?

There are many factors to consider when choosing how much liability coverage to maintain in your homeowners policy such as whether you own a dog, a swimming pool or a trampoline - just to name a few. That’s why we make it easy for you to contact a licensed HomeFirst® agent with any questions about your coverage amount.

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What are Medical Payments In My Insurance Policy?

For valid claims, this coverage for medical payments will pay the necessary medical expenses incurred within one year from the date of a covered accident, up to the limit of liability coverage stated on your policy. Keep in mind that this medical coverage only applies to a person who is injured while on the insured location who is not the policy holder or a regular resident of the insured household location.

What Is A Limit of Liability?

Limit of liability refers to the maximum amount the insurance company will pay in the event of a covered loss. The limits of liability are different for each accident as well as from one policy to the next. Refer to your policy or call your agent at 800-804-9389 if you are unsure of the amount of liability coverage included in your policy.

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