Ohio Home Insurance: Personal Liability Coverage

What is Personal Liability Coverage?

The main point of personal liability coverage is that it will protect you in the event that claim is filed against you as a result of any bodily harm or property damage caused to another that is considered to be due to negligence on your part. It will include everyone that resides under your room including dependents who live away from home as long as they are under the age of 21. Common liability coverage is $100,000 for personal liability, $1,000 for medical payments and $500 for the property of others.

Medical Payments

If a person is injured on your property, either by a member of the family or a family pet then this coverage will cover the medical expenses of the victim. It will not cover the medical bills of you or other members of your family. The amount of medical coverage you will receive will vary depending on your chosen insurance company and the premium you are willing to pay.

Damage to Property

This coverage is there to protect you in the event that someone else’s property is damaged by you or a member of your family. However, the coverage usually excludes intentional acts, or claims that have come from business activities, as well as injuries caused by operating a vehicle such as a car, plane or motorboat.

Personal liability coverage is an integral component of any Ohio home insurance policy and it would be in your best interest to do your research on this. It’s important to shop around and find a provider that offers you the best protection for your money. Policies can vary widely and comprehensive protection should not be taken for granted.



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