How To Decide On Home Liability Coverage

Deciding on home liability coverage in Washington can be difficult. You want to make sure that you have sufficient coverage so that you don’t spend a fortune of your own money in the event someone gets injured on your property. You are the homeowner and therefore you are often held liable if someone slips and falls, burns themselves, or potentially even dies.

There is a significant amount of expenses that can be incurred. These include:

  • Legal costs
  • Medical bills
  • Pain and suffering
  • Death benefits
  • Lost wages

You don’t want to be responsible for all of these expenses on your own. It is easier to have them encompassed within home liability coverage, which is part of your homeowner’s insurance policy. When you purchase your homeowner’s policy, you can determine what level of coverage you have in place for home liability. This is going to involve working with an independent insurance agent who can guide you through all of the options.

You can choose to add various scenarios where home liability coverage will take care of the incident. This can include basic negligence as well as if someone were to leave your property inebriated and get into an accident.

As the homeowner, you can be held responsible for all sorts of incidents and the financial repercussions can be astounding. You can increase the limits as high as you want to minimize the chance of having to pay out-of-pocket. You can also choose to add a personal umbrella policy as optional coverage, providing additional liability protection.

At Linda Dugan Insurance, we’re here to work with you on homeowner’s insurance in Longview. Let us get quotes and answer questions you may have about home liability coverage. We can help you to find an affordable policy.