Explaining Personal Liability Insurance

Personal Liability Coverage is a common insurance coverage most should have. That is why we create this blog explaining personal liability insurance.

What personal liability insurance covers

Personal Liability insurance gives you financial protection if you're found at fault or are negligent for bodily injuries caused to others or for damage of others' belongings on your property.

It would cover the legal costs, like court costs, if you were to be taken to court over an issue or if you were sued it would help cover you there as well.

Who is covered when I get personal liability insurance?

Anyone that lives within your household would be covered by your personal liability insurance. This includes people like your spouse, children, and parents you have living with you.

If you were to be renting a portion of your home out to tenant, this insurance would not cover them.

Why one should have personal liability insurance

Personal liability insurance has a few benefits that are just too good to pass up. It covers you and your household, protects you from lawsuit costs, paying others medical bills, and prevents you from losing your home or belongings in the event of a lawsuit.

Often times personal liability insurance is included in your homeowners or renters' insurance.

Homeowners with pools should especially have this insurance. It would protect you from costs of something bad happening to someone in your pool.

How one can get personal liability insurance

Personal Liability insurance is something we would be happy to help you get if you are looking to get your own! Reach out to us at one of our offices Monday through Friday, 8:30am to 4:30 pm!

Our numbers are:

LaCygne              (913) 757-4551

Mound City         (913) 795-2200

Garnett                (785) 448-3841