When you take out home insurance your main reason for doing so will be out of concern for your home and your belongings with in it. Home insurance will give you protection in the face of unfortunate events such as robbery, damage caused by extreme weather, flooding or fire damage. However, you also need to consider that there may be time when someone is injured within your home or someone else’s property has been neglected or damaged within your home and they may wish to file a claim against you. This is not a nice prospect to consider but it is something that happens. When you take out Ohio home insurance personal liability coverage will be automatically included.
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.
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.