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Personal liability coverage pays damages to people injured by you or your property

Most homeowners policies provide a standard amount of liability coverage (usually $100,000) per occurrence, but you may be able to increase this amount. If you or another insured are found responsible for someone else's bodily injury or property damage, your personal liability coverage may kick in and pay the damages. If an injured or damaged person brings a lawsuit, your insurance company may also pay to defend you or any other insured named in the lawsuit. You should note, though, that you're typically covered only for negligence (carelessness); you aren't covered for intentional injuries and damage.

The liability part of your homeowners insurance covers you both at home and away. It also covers those family members who live with you. It protects you against many types of accidents and occurrences, including slip-and-fall injuries on your property, dog bites to the letter carrier, and damage done to your neighbor's siding by your son's baseball. Read your policy carefully to find out what's covered.

Medical payments coverage pays an injured party's medical bills

If all conditions are met and no exclusions apply, your insurance company will pay the necessary medical expenses (for up to three years) of someone injured on or through your property. This coverage doesn't apply to your own medical expenses and the medical expenses of your household residents, except for your household employees. Injuries that take place away from your premises are also covered, as long as you, another insured, a household employee, or your pet caused the injury.

Medical expenses may include reasonable charges for medical, surgical, X-ray, dental, ambulance, hospital, and professional nursing services, as well as prosthetic devices and funeral services.

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• very useful information -happylittlewoman- ♀ (0 bytes) () 07/26/2013 postreply 19:32:10