A personal liability policy protects you and your family from charges should an accident happen in your home or on your property. Without a good policy, you may find yourself responsible for any medical bills, property damage, and legal fees associated with the incident, even if you’re not directly at fault. Depending on the severity of the incident, these fees can cost you thousands of dollars.

What Does Liability Coverage Do?

This coverage is typically provided as part of your homeowners insurance or renters insurance policy. The included coverage will protect you and your family up to a certain dollar amount specified in your policy’s details. However, depending on the scope of your plan, your liability coverage may extend beyond your property, protecting you from liability due to accidents that happen away from home.

If you file a claim, your insurance provider will work with you to cover the cost of any legal fees, medical bills, and other expenses associated with the accident. Though most homeowners policies include a small amount of coverage, you may wish to purchase an additional umbrella policy to extend the limits of your existing plan. It’s important to note that your policy will not cover every accident or incident on your property. Most will not cover injuries that occur to your immediate family or accidents inflicted intentionally.

It’s up to you to decide if the amount of coverage provided by your homeowners policy is sufficient for your needs. However, the team at Integrity Insurance Solutions in San Marcos, TX, is ready to help. Visit their website for more information on additional coverage and call (512) 396-2211 to consult with an experienced agent today.