It’s a sad reality that accidents happen, even on your own Boca Raton, FL property. Will your home insurance policy cover the medical expenses if someone is injured on your property? It may, depending on the situation. Here’s what you need to know about home insurance and medical coverage from Coastal Premier Insurance Group.

What is personal liability insurance?

Personal liability insurance is insurance that protects an individual from being held liable for damages arising from accidents or injuries that they cause. This type of insurance can help save a person’s assets, such as their home or savings, from being seized if they are sued and found liable for damages. It can also help cover legal defense costs if a person is sued.

Will my home insurance cover me when someone is hurt on my property?

If someone is injured on your property, your home insurance policy may help cover their medical expenses and any property damage resulting from the accident. Most home insurance policies include personal liability coverage, which can help protect you financially if you’re sued for damages after someone is injured on your property.

Is personal liability insurance required for homeowners?

Personal liability insurance is not required for homeowners, but it is recommended. Also, if you have a mortgage, the lender may require you to purchase home insurance as part of your loan agreement.

Coastal Premier Insurance Group, based in Boca Raton, FL, offers homeowners insurance policies that protect your home, belongings, and family. We offer various coverage options to meet your needs, and our experienced team is here to help you choose the right policy for your situation. Please contact us today to learn more about our home insurance options.