Your homeowners liability insurance protects against accidents and property damage. Delve further into what this type of insurance safeguards against. The information will help prepare you for when it is time to file an insurance claim.

Residential Accidents

An accident that occurs on your land or in your home could result in physical injury. Broken glass, a steep staircase, or loose terrain all pose a risk to anyone who spends time on your property. If a guest is unintentionally harmed, they may need to seek medical care.

The medical bills and loss of wages could be considerable. If the individual decides to sue you, you will be liable for the damages. Your liability insurance may handle some or all the costs associated with the damage.

Property Damage

Another person’s vehicle or personal property could become damaged while they are a guest at your home.

If damage occurs, they may decide to file a lawsuit. If you are found responsible for the damage, you may be ordered to pay to repair or replace the item that was damaged. Your homeowners liability insurance can help. 

Insurance Claims

Insurance claims require an inspection and filing. The inspection determines the severity of the injury or damage. The filing process will determine if the claim is valid. 

Consult an Independent Insurance Agent

Would you like to learn more about the home liability insurance coverage you have? Consult with one of our Barry Insurance Group representatives. They will review your current homeowners policy and answer any questions you have. We’re currently serving the Pearland, TX, area.