Homeowners Liability in Pawtucket, RI and Providence, RI
Accidents can happen, and sometimes, they can occur at your home. Making sure you have adequate protection against the various liability risks you face as a homeowner is essential. Contact Andrews Insurance Agency today to learn more about home insurance policy and the liability protections it provides.
What Coverage Does My Homeowners Insurance Include?
Your homeowners insurance policy includes both property and liability protections. Property protection helps cover the cost of repairing or replacing your personal property and the structure of your home itself.
The liability portion of your policy helps to cover lawsuits for bodily injury or property damage that you or family members may cause, as well as any medical expenses incurred by guests who are injured at your home. It pays for both the cost of litigation and any court awards, up to the limit of your policy.
- Personal liability—If you are sued due to a covered incident, your homeowners insurance coverage may pay your legal costs and possibly the damages for which you’ve been found responsible, up to your coverage limits.
- Medical expense coverage—If someone is injured on your property, your homeowners insurance may help pay their medical bills, even if they have health insurance. Because this is no-fault coverage, the injured individual may submit their medical bills to your insurer without filing a claim against you.
How Much Homeowners Liability Insurance Do I Need?
If you are involved in a lawsuit, your assets could be at risk, including your home, retirement accounts, investments and savings. Andrews Insurance Agency will work with you to determine how much coverage is appropriate. You may also choose to add umbrella insurance, which can provide additional coverage for liability coverage that exceeds your home or auto insurance policy limits.
Ensure Your Financial Security
Homeowners liability insurance can help protect your finances and your family’s safety if an accident occurs. This coverage can help preserve your hard-earned assets and finances. Call us today at 401-722-4271 to speak with one of the Andrews Insurance Agency agents. We can help determine what coverage provides you with the best protection.