A typical Tampa insurance policy for your home includes some liability coverage. Liability insurance may help pay costs if someone is injured while on your property, and then files a lawsuit alleging you were negligent. The types of situations which may be covered by liability insurance are injuries such as broken bones, cuts and falls. Payments usually help cover your court costs and the other person’s loss of wages, medical attention, pain and suffering and even a death benefit if necessary.
Usually in a standard home insurance policy, the liability portion has a limited amount for each claimable event. Some policy holders choose to increase the limit for additional protection. One reason for increasing the coverage amount can be if the homeowner owns a swimming pool.
Another form of liability insurance not generally included in home insurance is personal injury liability coverage. This type of insurance typically provides protection against the costs of lawsuits involving defamation, slander, libel, false arrest and imprisonment, invasion of privacy and wrongful eviction.
Because every insurance policy may provide coverage for different things and may also have different exclusions, it’s a smart idea to read through your policy’s terms and conditions to be sure you know exactly what you’re covered for and what is excluded. Do you need to purchase extra coverage? Contact our Tampa insurance agent to arrange a quote.