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Understanding Your Home Owners Insurance Policy

Part II: Home Insurance Liability Protection

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If one was to look again at their home owners insurance declaration page, which is usually the first page of the home owners insurance policy, in addition to the Property Coverages section they would also see another section listed as Liability Coverages. The Liability Coverages section is broken down into two parts:
  • E. Home Insurance Personal Liability
  • F. Home Insurance Medical Payments

The Personal Liability section provides personal liability coverage against a claim or lawsuit resulting from bodily injury or property damage to others caused by an accident on your property or as a result of your personal activities anywhere. This home owner insurance coverage does not provide protection for auto and business related incidents. This coverage protects you and all family members who live with you.

The Medical Payments section includes coverage to pay medical expenses for persons accidentally injured on your property regardless of fault. Medical expense payments do not apply to your injuries or those of family members living with you or to activities involving your at home business.

As with every home owners insurance policy there are exclusions. A typical home owners insurance policy does not cover injuries to animals, damage to motor vehicles, aircraft, and parts. Nor do they typically cover losses due to floods, mudslides, water damage from sewer backups, damage resulting from war or nuclear hazard, neglect, earthquakes, power failures, seepage, dry rot, or vermin.

All home owners insurance polices have different covered perils and exclusions so one will want to make sure to check with their home insurance company to verify all coverages for their individual policy.

Understanding Your Home Owners Insurance Policy:

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