Liability insurance coverage protects your family and visitors against the risk of accidental injuries on your property. Good liability coverage is a must if you entertain often or have regular visitors to your home. Here are a few ways in which liability coverage from Don Allred Insurance could protect your interests if an accident causes injury to you or others in your Burlington, NC home.

Bodily Injury

Slips and falls are quite common in a home, causing injuries that range from cuts and bruises to broken bones. Liability coverage will help pay for medical costs of injuries sustained by visitors or live-in family members due to accidents on your property. Depending on your coverage, liability insurance can protect you against such mishaps as dog bites, slips and falls, food poisoning, pool accidents, accidental fire burns and more.  

Property Damage

In addition to bodily injury, liability coverage can also protect you against damage you or your family cause to other people’s property. If your son accidentally breaks a neighbor’s window playing ball, your liability insurance policy will help cover repair costs. If you are sued for a bodily injury or property damage claim, your liability coverage will help cover the cost of hiring a lawyer to settle the lawsuit.

Exclusions

There are exclusions to your personal liability coverage you should be aware of. Personal liability insurance doesn’t extend to tenants who are renting space in your home. It also won’t cover injuries or property damage due to intentional acts. If you purposely start a fight with a neighbor, for example, and cause him harm, your liability policy won’t protect you against injury or damages you cause.

To learn more about liability coverage and all that it has to offer, contact a Don Allred Insurance agent in Burlington, NC.