Homeowners who have a mortgage are required by their lender to get homeowner’s insurance. If you were found to be responsible for the injury of another person while he or she was on your property, General Liability Insurance Coverage in Monroe MI provides legal counsel in the advent you get sued. It also helps to pay any judgments against you.
How Do You Know You Have Enough Coverage?
When a claim is brought against you because someone got hurt while at your house, a standard homeowner insurance policy will only cover penalties and fees that add up to the limit outlined in your policy. Liability coverage is only one facet of your home’s overall insurance plan, which could also include coverage against theft, flooding, and fires. The amount of liability coverage you should get depends mostly on your comfort level, personal finances, and your lifestyle.
Top Common Liability Claims Against Homeowners
Inebriated Guests – A claim can be made against you if a guest at a party you are hosting becomes heavily intoxicated and causes harm or damage to another guest or property. It is common for renter or homeowner insurance policies to have included coverage for host liquor liability.
Bites from Canines – Dogs get included along with the other members of your household covered by the plan. A person can file a claim if your dog bites or otherwise harms him or her while on your property. Certain dog breeds get excluded by some insurances in the belief that some dogs pose a higher risk than others such as Akitas, Pit Bulls, and German Shepherds to name a few.
Trees – A tree on your property that falls and damages a neighbor’s automobile or part of your neighbor’s house can also bring along a claim with it. General Liability Insurance Coverage in Monroe MI cannot help you avoid potential problems. However, if you feel that a tree you own might cause a hazard, keep up with branch trimming or completely remove the tree.
Home Injury Accidents – As a homeowner, you should take extra precautions to keep your home safe to avoid damaging property or harming anyone. Even if a person comes onto your property without unwelcomed, for example, a person putting a flyer on your door, should an accidents, happen due to your negligence, you can be held liable.
Contact Insurance Center Of Monroe to receive a free insurance review.
