Liability insurance for your home protects you financially and legally if someone sustains injuries or suffers loss or damage to personal items caused by you or that occur on your property. While you don’t expect these instances to happen, it pays to protect yourself against all possibilities. Kleppinger Insurance of Bethlehem, PA, will help advise you on your home liability needs. 

Here’s why home liability insurance is crucial:

• Covers Personal Property Damage: If you or those who live with you unintentionally damage someone else's belongings, your insurance covers costs that you would likely be held responsible for. For example, home insurance provides relief if your child accidentally breaks a neighbor's window while playing ball.
• Protects You From Paying Medical Costs: Liability insurance covers you if someone is accidentally injured by you or on your premises. This is especially helpful since medical bills from injuries can add up quickly. If a guest slips and falls on your front walk or your pet bites a neighbor, insurance will pay for up to three years of medical services, including ambulance costs and funeral expenses.
• Minimizes Financial Ramifications In A Lawsuit: A friend or neighbor who has been injured on your property might file a lawsuit. Having home liability coverage can help you with the legal costs, including judgments if it is determined that you are responsible for the injury and have to pay additional money.

Protecting you against incidents both on and off your property, home liability insurance minimizes the potential for financial hardship and gives you peace of mind. To find out more about the coverage you need on your Lehigh Valley home, call Kleppinger Insurance in Bethlehem today at (484) 357-1485. For more information on their services or to request a quote, visit the website.