Garland Insurance Blog

Is My Home Liability Insurance Enough?

Say your child has a friend over. You’re carefully watching and taking care of the child, but something happens. She falls and is hurt. You do everything you can to ensure that the child gets the necessary medical care. But what happens now?

When someone is hurt on your property, you may be held responsible for it. Most home insurance plans have some level of liability insurance built into them. This type of insurance can provide you with an exceptional level of protection against this type of risk. But only if you have the right type of policy and the right amount of coverage.

In this instance, a simple tumble down the stairs results in only a sprained ankle. While it may seem small, when you factor in medical care, it can be expensive. Mistakes happen, and in many cases they are unavoidable. When they happen on your property, though, your liability coverage should be there to support you.

Most homeowners insurance plans provide coverage for instances in which someone is hurt on your property. However, it is important for you to take a close look at your existing insurance plan to make sure it offers enough coverage to keep you and your family safe against these risks.

Most often, basic home insurance plans provide between $100,000 and $300,000 worth of liability coverage. In most cases, this is plenty to take care of a simple fall. However, some other serious accidents can be much more expensive. A supplemental liability plan can add extra protection of $1 million or more and provide you with additional protection. Most of the time, supplemental liability home insurance isn’t that expensive for the amount of protection it can provide.

Just as your standard auto insurance liability coverage isn’t that extensive, the same can be said for your home liability coverage. Adding an additional layer of liability protection to your home insurance plan can give you the peace of mind you need. You will be able to rest assured to know that if something were to happen, your policy is there to protect you.

Are you covered? Call us at 863-683-9334 for more information on Tampa home insurance.

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