What is homeowners liability insurance for?

Answer The liability portion of your home insurance policy provides protection in the event someone asserts a claim of liability against the homeowner for damages or injuries.

Top Q&A For: What is homeowners liability insurance for

What type of liability insurance can you get to lease a commercial building for personal non-business use or is an umbrella policy from your homeowners liability insurance enough for the landlord?

Umbrella policies are often written as "following form" which means it only provides coverage if your primary (i.e. homeowners policy) provides coverage. Ask your insurance agent if you need to add... Read More »

Can my homeowners insurance refuse to cover my fiance for loss or liability on the home we jointly own because he is not related to me and make me buy renters insurance for him in NJ?

Laws may be a little different in the Armpit of America but in the communist state of MA as long as you jointly own the home then you would be jointly covered on the home policy. If so then they ca... Read More »

How do you get liability on vacant land without homeowners insurance?

Personal Liability with a Renters Policy You could get a commercial type policy -- the last one I sold in Texas was about $1200/year for $300,000 liability. They charge per acre.Insuracne is regul... Read More »

Does homeowners insurance cover liability while working in a restaurant?

Generally NO, there are exclusions in most policys regarding losses that occur during the course of your employment, but again would depend of what coverage you are talking about, if your rings are... Read More »