Injuries On Your Property Are Covered By Your Homeowners Insurance

Blue 42! Red 36! Hut one! Hut two! Hike! You drop back and plant your back foot just like Peyton Manning does every Sunday. Your friend digs his feet into the earth as he sprints at full speed into a deep post and looks back in your direction, throwing his right arm up in the air to signal that he’s open. You fire a pass and he lunges for it, making a spectacular diving catch past the tree for a touchdown! You run to celebrate with him but find him writhing in pain on the ground, clutching his leg. Instead of a trainer running to his aide, your parents come storming out of the house and find their son’s friend with a broken leg.

So after the subsequent hospital visit, the parents of the injured are left with a hefty medical bill and probably don’t feel like they should have to pay for it. That is where homeowners insurance comes in. A standard homeowners insurance policy comes with liability coverage which includes:

• Coverage for medical bills
• Coverage for legal costs in case of a lawsuit
• $500,000 in coverage in most standard cases but $1 million in coverage is recommended
• To find a policy with the right coverage, compare 5 quotes using our online quote service

You will probably have to file a homeowners insurance claim with your company in order to receive the pay out you’re entitled to. Make sure you know the ins and outs of your policy so you are not filing a liability claim for a cause that is not listed in your policy. However, homeowners insurance exists for cases such as this. Accidents happen and that is why liability coverage comes standard with any homeowners insurance policy.

Go Deep With Your Homeowners Insurance Policy

If you are not covered with adequate homeowners insurance then an injury such as the one listed above could come with hefty medical bills and legal costs that you will be responsible for. So get covered and don’t worry about your child and their friends playing in your backyard. Talk to your home insurance agent today about how much liability coverage you have and what causes are covered. To find a great local agent use our online insurance agent finder.