What kinds of things does my homeowners liability insurance cover?

1 Answer

Answer :

When you own a home you are libl for nything that happens on your property. Homeowners liability insurance covers you in the event someone i injured on your property. Homeowner's liability insurance covers the homeowner in the event that someone gets injured while on their property. It covers medical bills and other expenses for guests if something happens to them while at your home.

Related questions

Description : What would likely be cover in homeowner's insurance but not renter's insurance?

Last Answer : Anything that is owned by the homeowner would not be covered byrenter's insurance. That would be the building, any appliances, thefurnace, sinks, tubs, floors, walls, etc.

Description : Question about homeowner's liability?

Last Answer : 25 foot…wow…how long has this been there Grumpyfish?

Description : What kinds of circumstances are covered by excess liability insurance?

Last Answer : Excess liability insurance gives you extra asset protection beyond your basic policy. It can help in the event of being sued by someone due to injury or negligence in your home or anywhere else.

Description : What is included with comprehensive auto insurance that liability doesn't cover?

Last Answer : Comp covers theft and accidents iwth other cars. Liability protects you against lawsuits from other people.

Description : Does liability car insurance generally cover rental cars?

Last Answer : It depends on your insurance. Most insurance companies cover any car you are driving. If it doesn't, the rental agency will be able to help you.

Description : Homeowners insurance question - is there a good rule of thumb about how much personal property insurance one should buy?

Last Answer : Just got my policy also and it had jumped up 200 from last year with no claims on the policy ever. I shopped around and found that AARP had a much lower price. I went with 50% and AARP.

Description : What can I do about this Homeowners Insurance Problem?

Last Answer : Do you have an insurance agent? We had a claims adjuster come to my house when the water pipe broke in the ceiling, and the adjuster denied the claim. I called my agent, who called the adjuster, ... that if they deny my claim, he would stop writing policies for her company. The claim was approved.

Description : Have you seen the flooding in Nashville? Should people homeowner's insurance pick up some of this tab?

Last Answer : answer:Nope, it’s pretty well established that if you don’t buy flood insurance, flood damage isn’t covered. My house (on a hill) has flood insurance. Why someone wouldn’t have flood insurance is beyond me.

Description : Homeowner's insurance...

Last Answer : I shop around. A lot of insurance agencies give discounts if you have multiple policies with them; for instance, car, life, and homeowner’s insurance.

Description : Is it normal for homeowner's insurance to increase each year?

Last Answer : Wow, you have expensive insurance! Our homeowner’s insurance usually does increase each year, but it’s only about $40. Of course we only pay around $600 total. I think it wouldn’t hurt to ask around and possibly get a better deal.

Description : is a busted water line covered by homeowner's insurance

Last Answer : Need Answer

Description : What would likely be covered under homeowner's insurance but NOT by renter's insurance?

Last Answer : Damage to anything covered by the landlord's insurance, becausethe landlord owns the property not the renter. Such damage would becovered under homeowner's insurance, because the homeowner owns theproperty.

Description : Would likely be covered under homeowners insurance but not by renters insurance?

Last Answer : Damage to anything covered by the landlord's insurance, becausethe landlord owns the property not the renter. Such damage would becovered under homeowner's insurance, because the homeowner owns theproperty.

Description : Is it better to buy homeowners insurance through an independent agent or a large company?

Last Answer : The independent agent or broker t too , is going to give you policy from large insurance company. In either case you have to do your research well to get best deal and proper coverage. The broker or agent is helpful as you can have personal connection with him.

Description : Is flood insurance included in basic homeowners insurance?

Last Answer : Homeowner's insurance policies do not cover flood damage. You will need a Flood Insurance policy and to get one you will have to apply and wait 30 days.

Description : When are you required to buy basic homeowners insurance by your mortgage company?

Last Answer : Virtually always. Any reputable company holding a mortgage on your house will require you to have homeowner's insurance, at least to the value of the mortgage. The only exception is for a mortgagee with sufficient assets to self-insure.

Description : What is the average yearly cost of HomeOwners Insurance for a 3,000 square foot house in Omaha, NE?

Last Answer : Depending on area and amenities, homeowners insurance in Omaha can range from $2400-$5000.

Description : Homeowner's Insurance Takes the Worry out of Homeownership?

Last Answer : After purchasing a house, the homeowners will also need to purchase a homeowner's insurance policy. The purpose of the homeowner's policy is to repair the damages that occur when there is a flood, ... a good homeowner's insurance policy, they will be able to put their lives back together one day.

Description : Five Reasons To Purchase Homeowners Insurance?

Last Answer : People who obtain a loan for their home are usually required to buy homeowners insurance as a condition of approval. However, those who purchase a home outright or those who purchased one before this ... liability clause. The importance of this can't be stressed enough in today's litigious society.

Description : What are the important tips of Homeowners insurance Clewiston?

Last Answer : Homeowner’s insurance is not a luxury; it is a necessity and not just because it protects your home and properties against theft or damage. Effectively, all mortgage companies require borrowers ... credits for which you are eligible. Companies have different names for age preference policies, f

Description : Liability Insurance vs. Full Coverage?

Last Answer : To replace or repair your car if it's damaged or totaled. If your car is not worth very much money the comprehensive may not be worth the expense. If it's worth more than 4 or 5 thousand you ... on Kelly Blue Book and see if the cost of replacing you car is worth the expense of the insurance.

Description : Low cost liability insurance?

Last Answer : Try a local insurance broker in your area. Stay away from the big national companies because they have more overhead and they have to pay the commission of the agent who writes you. Plus, they do not have ... . If you still need help, send me a comment and I can look into more options for you.

Description : What is the proper response to a matter-of-fact voicemail destined for someone with your same name telling you that the women's shelter does want you to come give pony rides, but that you will be required to provide your own liability insurance in case the pony hurts someone?

Last Answer : answer:After laughing and telling my friends, I’d probably call the women’s shelter and explain that they probably had the wrong person. If I were ambitious, I might contact an insurance agency and borrow a pony from somewhere.

Description : Is my liability car insurance good in Canada?

Last Answer : Allstate covered my rental in Canada about 10 yrs ago. But you would definetly need to check your coverage to be sure. Just call your agent for a quick answer.

Description : What is liability insurance ?

Last Answer : When an insurance company is liable to compensate for loss of property , loss of personal accident or death as per contract, it is called liability insurance. This liability insurance ... . Examples of liability insurance are fidelity insurance , automobile insurance, machineries insurance , etc.

Description : What type of liability insurance should a nonprofit corporation need to carry?

Last Answer : Just one that cover the basic needs, to not expend a lot of money. That way it doesn't loose money paying for insurance.

Description : Is auto liability insurance required in all 50 states?

Last Answer : Yes, auto liability insurance is required in all 50 states, howeve the limits of liability vary between states. Some require less than others.

Description : What is the average premium for excess liability insurance for a 40-year old man?

Last Answer : The average premium fr excess liability insurance for 40-year old man will be arround would be $31-$40 a month.

Description : Does Geico offer affordable liability insurance on motorcycles?

Last Answer : Geico offers motorcycle coverage, including liability for bodily harm. While the company is known for its affordable rates, as the consumer, you ultimately have to make that call. www.auto-insurance-helper.com/geico-motorcycle-insurance.html

Description : Can I get Car Insurance that only covers liability and property damage?

Last Answer : Yes, you can get auto insurance that only covers liability and property damage. However, you will need to purchase collision insurance if there is a lien on your vehicle.

Description : What is covered by property damage liability insurance?

Last Answer : Propety Damage covers you if you damage someone elses property. Liability covers you in the event of a lawsuit.

Description : Are daycares required to carry liability insurance?

Last Answer : Yes daycares are required to carry liability insurance,the amount is determined by the size of the day care center

Description : Do I need to purchase liability insurance for my snowmobiles?

Last Answer : State farm offer insurance for all types of vehicles you should give them a call.

Description : What is the average Michigan car insurance rate for liability only policies?

Last Answer : The average Michigan car insurance rate for liability only policies is about $2000

Description : Does All State Insurance provide liability protection?

Last Answer : All State provides many types of insurance coverage, including liability protection for drivers as well as homeowners and businesses. Visit http://www.allstate.com/

Description : What sort of liability insurance is needed if you operate tanning beds in your salonDo I have to worry about lawsuits?

Last Answer : You will need liability insurance and property insurance. Most insurance companies customize your liability insurance. If your insurance covers everything you will not have to worry about lawsuits just make sure there are no loop holes in your policy.

Description : Arkansas Law Requires Proof of Auto Liability Insurance?

Last Answer : Owners of registered vehicles in Arkansas are required to maintain liability insurance. This protects drivers against costs related to accidents involving personal injury or property damage. All drivers are ... . An alcohol education program must be completed in order to have the license reinstated.

Description : Can you have liability only car insurance in Michigan?

Last Answer : In state of Michigan, you can only have liability coverage if your car is paid off. Otherwise, you will have to purchase a full coverage policy.

Description : How much liability insurance is required on my car in Alabama?

Last Answer : As you know the minimum amounts for liability insurance vary from state to state. Alabama has as its minimum requirements the following the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $25,000 for property damage in an accident.

Description : Should I get liability insurance?

Last Answer : Yes because if you get into a car accident you wont be paying for the other cars damages out of your pocket. Your insurance would cover any expenses for the person who was hit and you wont have to worry about paying all the fees.

Description : Does the state of Georgia only require liability car insurance?

Last Answer : The state of Georgia only requires liability and property damage coverage. You have the option to purchase additional coverage's. It is a good idea to purchase uninsured motorist coverage.

Description : What is meant by Texas liability car insurance?

Last Answer : Texas Liability insurance simple put is insurance that will cover the other driver's bills if you get into an accident. It will not cover the cost of getting your own car fixed or any medical bills you have.

Description : How much extra does bodily injury liability car insurance cost per year, on average?

Last Answer : Extra bodily injury insurance can easily be added to your policy. It may cost an extra one hundred to one thousand dollars per year, depending on the extent of coverage and your insurer.

Description : What is the normal deductible for bodily injury liability car insurance?

Last Answer : The deductible for bodily injury liability car insurance depends upon what you select. The deductible portion is not covered by the insurance policy and thus high deductible policies have a lower premium. Car insurance requirements also vary from state to state.

Description : Is property damage liability car insurance required?

Last Answer : Property damage liability insurance is to cover the damage you may cause to someone else's property. Different states have different car insurance requirements and regulations. Further, some people get larger property liability insurance coverage than the minimum requirements.

Description : Business Liability Insurance ?

Last Answer : form_title=Business Liability Insurance form_header=Protect your business with the right business liability insurance for your needs. What is the annual revenue of your company?=_ Does your company currently ... (BOP) [] Property [] Professional Liability [] Business Travel [] Business Automobile

Description : Where can I apply for limited liability insurance?

Last Answer : Limited liability insurance can be purchased from many insurance companies. An explanation of limited liability insurance can be explained by a qualified insurance agent.

Description : LLC Liability Insurance?

Last Answer : form_title=LLC Liability Insurance form_header=Even as a limited liability company, it's important to have protection from personal liability. Have an insurance professional create a personalized quote based ... in your business (including yourself, owners, officers, employees, contractors, etc)?=_

Description : Liability Insurance?

Last Answer : form_title=Liability Insurance form_header=Ensure that your assets are properly protected from any lawsuits that may be brought against your company. Liability insurance can safeguard against several known and unknown risks. Type of liability ... 35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,More}

Description : Does State Farm offer commercial liability insurance?

Last Answer : Yes, according to StateFarm's website, they do offer commercial liability insurance for work vehicles. http://www.statefarm.com/insurance/business/commercial-auto-insurance.asp