Insurance experts like
Don Bullard agree that homeowners insurance is a necessary investment to protect your home and properties from natural disasters, theft, and accidents. But aside from these, homeowners insurance also protects you and your family from lawsuits due to accidents that occur within your property. This coverage is called a personal liability protection.
For instance, your neighbor’s daughter was wandering in front of your house where your dog usually sits. While playing with the dog, the child accidentally pulled its tail, causing the dog to bite the child. Because of this unfortunate incident, the child’s parents filed a lawsuit against you for the physical injury and possible trauma that their daughter has suffered.
According to insurance experts like
Don Bullard, a personal liability protection can help you pay for a lawyer who will represent you in the lawsuit case. In a typical homeowners insurance policy, personal liability has a minimum coverage of $100,000 per occurrence. For homeowners who want to have more coverage, getting an umbrella insurance policy is recommended.
Just like the other types of insurance coverage, personal liability protection has some exceptions. These include business-related incidents, intentional acts, and incidents which are covered by auto or workers’ compensation insurance.
Don Bullard Insurance’s team of experts can provide clients with a homeowners insurance policy that fits their individual needs. More information is available at www.donbullard.com.
