Home liability coverage is a part of homeowner’s insurance. You can choose what kind of limits you have within your policy – and every policy is a little different. It’s used in the event that someone accidentally hurts themselves on your property.

The most important thing to know about this coverage is that it is for accidents only. If there’s an intentional injury, you probably won’t be covered.

Accidents can include just about anything that happens on the property or in the home. It can be something along the lines of a dog bite, a slip on a frozen sidewalk, a trip down a flight of stairs, and much more.

You never know when an accident is going to occur and therefore you want the home liability coverage in place. If there’s a major accident, it’s best to have the coverage so it can be handled properly – and without costing you a fortune.

The coverage is going to be used to take care of the person who has been injured without charging you for everything out of pocket. It may provide coverage for:

• Pain and suffering
• Death benefits
• Legal costs
• Medical bills
• Pain and suffering

When you buy an insurance policy for your home, you want to look at what the limit is. It can be advantageous to go above the minimum just in case there is an accident at your home. You can also choose optional coverage in the form of a personal umbrella liability, offering more financial protection.

At Safechoice Insurance Agency, we’re here to help you find the best home liability coverage for your home in Rochester, Minnesota. Call and talk to one of our agents today to begin getting quotes and have someone who can answer your questions.