In many cases, your MA homeowners insurance covers more than your property. Most policies come with some form of personal liability coverage under MA homeowners insurance. It is important to be aware of this in case you should ever need it.
What Is Personal Liability?
Personal liability involves damages or injuries to others by you or a member of your household. The incident does not have to actually take place on your property. For example, if your child accidentally throws a baseball through your neighbors window, that could fall under personal liability coverage under MA homeowners insurance. Another example is your pet going into your neighbor’s yard and biting someone.
What is Covered under Personal Liability Insurance?
Personali liability typically covers claims or lawsuits involving personal injury (including medical expenses) or property damage. It can also cover legal fees to defend such claims/suits. What it does not cover are intentional acts that may have caused injuries or damages. Additionally, personal liability coverage excludes incidents that may be covered by other insurance policies (such as auto, worker’s compensation, or business insurance).
More on Personal Liability Coverage Under MA Homeowners Insurance
Keep in mind that all insurance coverage has limits and restrictions. Contact your insurance provider to confirm that you have personal liability coverage under MA homeowners insurance. You may have the option to increase your policy limits or add other optional coverages.
Finally, be aware that filing any type of claim against your homeowners insurance can result in future increases in policy premiums. If you have a lot of claims in your history, some insurance companies may consider you too risky and even deny coverage. Therefore, before filing a claim, consider the amount of the claim and whether it’s worth the potential increase in future insurance costs. As a general rule, it’s best not to file small claims. You may want to contact your insurance agent for additional advice on potential claims before making a decision.