What is Liability Insurance Coverage?

HOME

Homeowners insurance pays to repair or replace your house and personal property if they are damaged or destroyed by natural disaster or event covered by your policy. Generally speaking, homeowners policies in Texas offer the following coverages: Dwelling, Personal property, Other structures, Loss of Use, Medical payments and Homeowner’s Liability in the base policy.

Homeowners Liability Insurance: What’s Covered?

The personal liability section of your home policy can pay to defend you in court against lawsuits if you are found legally responsible for someone else’s injury or cause property damage.

Say that a visitor trips while walking into your home, severely injuring themselves and breaking an ankle. While the first step will be ensuring their safety and recovery, you may also be wondering how much all this will cost you? That is where homeowner’s liability insurance may kick in. Homeowners liability insurance protects the members of your household in the event that your negligence causes someone to become injured while on your property.

Did you know your home policy may exclude short term rental (STR) if you participate in home shares such as Airbnb or VRBO. Ask your agent to add the home share endorsement to your policy or start your quote now

Additionally if you are running a small business out of your home, any injuries that occur related to that business will not be covered. Purchasing a Business Owners Policy (BOP) can help cover injuries from on-site visitors.

 

AUTO

Car insurance does not only protect your auto  in the event that you get into an accident. It also protects you. Auto Insurance can pay to repair or replace your vehicle, or damage your vehicle causes to others and their property. Most automobile insurance policies offer the following coverage options uninsured motorist, personal injury protection, comprehensive and collision coverage, rental reimbursement, roadside assistance and auto liability.

Auto Liability Insurance: What’s Covered?

Liability insurance pays to repair or replace the other party’s car and can pay other people’s medical expenses when you are at fault in a covered accident. Liability insurance does not pay to repair or replace your car or to treat your injuries. Consider buying additional types of coverage available on your Texas auto policy such as uninsured or underinsured motorist, personal injury protection (PIP), medical payments, collision, and comprehensive – to pay for these expenses.

Most auto insurance policies state that using your vehicle “for hire” or for “business use” is not covered and will deny a claim. Britton and Britton Insurance has been offering personal auto insurance policy endorsements for transportation network company (TNC) drivers such as Lyft and Uber since 2016. Opting for this additional coverage as a driver of a TNC will provide you with the services and benefits of our auto plans. Ask us to add this endorsement to your policy or start your quote now.

 

UMBRELLA LIABILITY

In our litigious society it is worth considering excess liability protection. Umbrella insurance is designed to add an extra layer of protection to your underlying insurance policies. An umbrella policy provides “excess liability” above the limits of your base home, condo owners, auto, or recreational vehicle policies.