Will my homeowners policy protect me if someone is injured on my property?

When you purchased your homeowner’s policy for your house in Dallas, TX from State Insurance Solutions, you were probably like most people who obtained a policy because your lender required you to or because you just knew it was the best way to protect your property. The great thing about your homeowner’s policy is that it actually provides protection beyond what most people realize.

The Normal Conception of Home Insurance

Homeowners insurance is usually considered as a backup for when something bad happens so you can replace your own property, or sometimes even rebuild your home. Your appliances, flooring, electronics, and personal possessions should all be covered under a standard policy.

Other Protections Provided By a Homeowners Policy

Besides compensating the policyholder after a disaster, like a fire or theft, homeowners insurance has other benefits.

Included in your coverage is basic general liability protection. This means that if there is an accident on your property, such as if a friend falls down and gets hurt while visiting, your homeowner’s policy will probably pay for the medical bills. Otherwise, you could be liable for paying for those expenses out of your own pocket.

Your homeowner’s policy may even pay for damages to your neighbor’s property, although that kind of coverage is typically limited. This could become an issue, for instance, if your tree fell and broke your neighbor’s fence.

If you are in Dallas TX and want to get a better idea of what kinds of protections you’re really allowed under your policy, we want to help. Call State Insurance Solutions if you want us to help you review your policy or if you want to add more protection for your home.