You work hard to protect your family, physically, and financially. However, do you know what your policy covers in terms of a liability claim? Our team at Smith Insurance Agency of West Virginia has put together a quick guide for you to review. Here’s how homeowner’s insurance coverage helps protect you against liability claims.

Protection Against Most Civil Liability Cases

First, it is essential to know that your policy has some protection against most civil liability cases. A civil liability case is where another person is suing you for damages that arise from your negligence or actions. This includes situations both in your home and outside your home and could cover a pretty wide variety of topics. Think things like contract disputes or defamation. If you find yourself facing a lawsuit and you have homeowner’s insurance, contact your agent.

Injuries to Others

One of the most commonly known aspects of homeowner’s insurance is that it pays for the medical bills of guests who are injured while visiting your home. For example, if your dog bites a visiting friend or the mailman trips over a cord on your porch and breaks their arm.

Property Damage to Someone Else’s House

Another coverage most people are surprised to see included in their homeowner’s policy coverage is damage to someone else’s house. As an example, your child accidentally throws a baseball through the neighbor’s window. The cost to repair the window would be paid for by your policy, subject to your deductible.

Learn more about how your homeowner’s insurance policy protects you from liability claims. Please get in touch with our Smith Insurance Agency of West Virginia team in Kingwood, WV today to schedule an appointment. We proudly serve the Morgantown and Kingwood, WV area.