Does Home Liability Insurance Really Protect Me?

When you look at your homeowner’s insurance in Colorado, there is a certain form of coverage known as home liability insurance. It is known to protect you as the homeowner in the event that someone injures themselves on your property, or even gets bitten by the dog. Is it really going to protect you? With the right coverage, you can get help in a variety of areas.

Lawyer Costs

Friends, family members, contractors, or anyone can sue you if they are injured in your home. Lawyer costs can be covered with the liability insurance so that you can get the necessary legal help. Even if you are held financially responsible, the financial assistance can be present.

Medical Bills

Medical bills can add up to be a lot – and you won’t have to pay them if you have sufficient home liability insurance.

Lost Wages

The person who is injured may be injured to the level that they are unable to work. Their lost wages become your financial responsibility, though it is possible that the right coverage will take care of these expenses.

Pain & Suffering

Particularly when a case makes it to court, pain and suffering settlements can be established. These may be worth tens of thousands of dollars, depending upon how severe the accident was. Rather than this being your responsibility, the insurance company can take care of the expenses.

Death Benefits

While you never want a fatality to occur on your property, the possibility always exists. Death benefits can be provided by home liability insurance so that it does not become your financial responsibility.

At AFI Insurance, our agents are here to save you money and ensure that you have the necessary coverage in Englewood, Colorado. Call and speak to one of our agents today to begin receiving customized assistance.