Everything You Need To Know About Personal Liability Insurance

Close your eyes and let your imagination run with me for just a minute. There you are sitting on the sidelines watching your favorite team come from behind earning a hard-fought victory. You celebrate wildly and look to take the celebration with you after leaving the game only to emerge from the stadium to find your vehicle and a half dozen others have literally melted into the parking lot because you got to turn off your grill after your pregame afterwards. In this video, I will be talking about your homeowner's liability insurance company, which can also be referred to as personal liability and how it can protect you when you're not at home. What most people don't know is that their homeowner's insurance is actually what covers you for things like this. Everyone, my name is Patrick McBride here at the McBride Agency where we provide you with a modern insurance experience without compromising on personal connection. This week, I'm going to be talking to you about your personal liability insurance and how it can help protect you even when you're not at home. For those of you who don't know, personal liability is the part of your homeowner's insurance policy that covers you for things like property damage and in some cases personal injury. So whether you're throwing a party at your house make sure you have the right coverage in place. If you're a homeowner, then you know there's a lot that goes into keeping your home safe and protected. One of the best ways to do this is by having adequate limits on your homeowner's policy for personal liability. Now let's answer the question, what does personal liability insurance cover? Personal liability insurance is one type of insurance that every homeowner should have. This is because it provides protection in It can also provide protection if you accidentally damage someone else's property even when you're not at home. In general, medical payments coverage will cover medical expenses first. However, your personal liability insurance kicks in if those limits are exceeded. It also covers things like property damage and legal fees up to a specific limit. Would my homeowner's insurance cover a tailgate fire at a football game? Now let's take a look at an actual example that recently happened and how it works in real life. Let's say you were at that Dolphins game tailgating and it was your grill that lost control and burned down seven cars in a parking lot. If they were to sue you, your personal liability limits from your homeowner's insurance would likely cover their expenses as well as any property damage that may have occurred. As a homeowner, it's important to protect yourself financially in case something happens on or clearly off your property. Personal liability insurance can provide peace of mind in the event of an accident or injury. Now that you everything you need to know about this type of insurance, please be sure to talk to your agent about making sure you have adequate limits on your home policy. We know this stuff can be scary, so don't hesitate to give us a call. We'll help you figure out the best coverage options for your family. Be sure to check back weekly as we release a new video every Monday helping you get the most out of your home and home insurance. Also, don't forget to shut down that grill before you head into the game this weekend.