Personal Liability Coverage (Coverage E)
You invited your neighbors to come and visit you – you are enjoying lovely day, and suddenly the neighbors' son accidentally falls down the stairs and hurts his arm. The neighbors are mad at you, and they claim that your stairs are not safe for children, and that's why they want to sue you. What to do?
Personal liability coverage
kicks in when you need to pay for a defense if you are sued, and it can also pay for other persons’ injuries you’re responsible for.
What does it cover?
• Coverage for lawsuits
– as mentioned, personal liability insurance will cover the expenses due to lawsuits aimed at you.
• Coverage of the damages caused by you or your family member
– if, for example, your child throws a ball through your neighbor's window breaking an enormously expensive and valuable object, your insurance policy will cover the loss. The same happens if you do the same thing.
• Medical expenses coverage
– if someone gets injured on your property (indoors and outdoors), the policy will cover the expenses of medical treatment, no matter if you’re legally responsible for that or not.
There are a lot of questions regarding Dog bite liability
which can be a part of homeowners insurance. A lot of people own dogs as pets in the U.S., and more than 4 million people get bitten by them every year which is a problem that should be solved.
Many insurance companies refuse to insure homeowners who own certain dog breeds such as Rottweilers or pit bulls since those breeds are considered dangerous and prone to biting people.
However, if you are a dog owner, consult your insurance agent
and find the best solution for your pet insurance – even some agencies will cover your pet if you accept to take it to the classes of modifying its behavior.