Understanding Homeowners Insurance and Liability Coverage

Your homeowner’s insurance covers more than hazards like fire, theft, and vandalism. If someone is injured on your property, it can provide liability coverage to prevent loss from lawsuits. At Brokers Insurance Agency in Lincoln, NE, we provide the homeowners insurance coverage you need.

Common Types of Home Accidents

Accidents are common in home settings, and any guest may be subject to injury from an incident. Falls are among the most common injuries that occur at home. A guest may fall down interior stairs or trip on an area rug, injuring themselves. Electrical shocks can also occur in the home. Cuts from sharp edges on items in the house are a common injury. A guest may be injured by a cooking injury or from an outdoor barbecue grill. Construction materials or landscaping can fall and injure a guest. These situations can lead to liability against the homeowner.

Liability Coverage Covers Guests While They Are Visiting

The personal liability coverage in your homeowner’s policy covers accidents that might occur to your guests. This feature would cover injuries to overnight guests or individuals invited to your house for a party or other gathering. If a lawsuit claiming negligence occurs, the liability portion of your insurance will be available to defray the cost of the suit.

Make Brokers Insurance Agency Your Agent For Homeowners Insurance

Our experienced agents can answer your questions to help you understand the liability coverage and other features your policy provides. We offer various auto, life, boats, recreational vehicles, and business insurance policies. Contact Brokers Insurance Agency in Lincoln, NE, for a no-obligation quote on homeowners insurance that will protect you against liability losses.