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Homeowners Insurance Policy-Section 2 Personal Liability Coverage?

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2013-08-20 17:09:43
2013-08-20 17:09:43

Can a homeowner get a third party liability insurance covering ONLY visitors who might have an accident while on the premises (not the house itself and its furnishings and belongings)

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Elie

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Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.



Home Insurance is Insurance coverage for your house, condo or apartment for your personal property and liability coverage for you. The insurance coverage for your house is also called homeowners insurance. The Homeowners isurance is an insurance package that has coverage for the dwelling, the others structures on your property, Loss of Use, Medical Payments and Personal Liability.


It depends on why your being sued. If your homeowners insurance covers the act that caused the suit, then you should have legal defense costs coverage if you purchased liability insurance with your homeowners insurance policy. If you did not purchase liability coverage then your insurance company will not defend you.


No. Homeowners Insurance typically do not provide liability coverage for criminal acts. Your medical insurance is a good source of coverage for health care needs.


No. Homeowners insurance is "Property" coverage. Murder is a criminal offense and is not a covered peril under a home's property hazard insurance policy. Homeowners insurance does not provide liability coverage for criminal acts nor is it a replacement for a life or death insurance policy.


Homeowners coverage should satisfy requirements.


You will just have to ask them for the insurance information. there is no central registry or database for homes and the insurance companies that insure them. You should first determine if your neighbor even has Liability insurance. Not all homeowners purchase liability coverage with their insurance policy. A home insurance policy can be bought with or without liability coverage. If the homeowner has elected liability coverage, The homeowners insurance policy will provide the homeowner with legal defense for the cost of defending against a suit that is brought against them claiming liability on the part of the insured. If the Insured is found at fault or liable in court, then their insurance company will cover the cost of those liabilities up to the specified policy limits. Alternatively you can sue your neighbor. Then If your neighbor has Liability coverage on his home insurance policy, You will then meet your neighbors insurance company attorneys in court.


Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.


No, Homeowners Insurance does not provide liability coverage for criminal acts of the insured. It does not matter if your on or away from the property.


No. The medical coverage and liability sections of a homeowners policy do not contain any deductibles. These sections do not cover the homeowner or any household residents.


Bear in mind that most companies strictly prohibit coverage for homeowners who have a Trampoline. Generally when the Home Insurance Company discovers that you own a Trampoline they cancel your policy. whether an injury has occurred or not. If you have homeowners liability coverage, and you do not have a trampoline exclusion, then yes, liability would cover non-household members. Be prepared though to have your insurance cancelled.


First you ask your parents (whom I presume are at work) if they have homeowners, medical coverage and liability insurance, then you...


Homeowners insurance covers many things for a homeowner and varies from coverage to coverage. It covers personal liability, damage to one's dwelling and the contents inside the dwelling.


It's called "personal liability" coverage, and virtually all homeowners policies have it.


No it does not. Homeowners insurance covers your home, property and liability excluding your auto. Your auto comprehensive coverage will protect you for fire, theft, striking an animal and....vandalism.


First the suit will not be filed against the insurance company but against you as the homeowner. Your insurance company will come in and protect you from the suit. This is covered under your liability section of the insurance policy. Your coverage includes legal fees in addition to the amount of coverage on your liability section.


No. Homeowners Insurance "Never" provides coverage for your Employees or other Hired workers.


All State provides many types of insurance coverage, including liability protection for drivers as well as homeowners and businesses. Visit http://www.allstate.com/


Your homeowners insurance does not provide coverage for hired workers. It is advisable that you ensure your contractor's doing the remodeling job for you have liability insurance in the event they damage your property or someone else's and appropriate medical coverage or workman's compensation for their workers.


No, homeowners covers the dwelling. Some policies offer Liability and Medical payments coverage, but only if a guest is injured on the insured property.


Personal Liability coverage is included in homeowners insurance. Personal Liability includes coverage several different scenarios including negligence for injuries and damage, libel, and slander. If you are accused of slander and are facing a lawsuit, contact your insurance agent to file a claim on your personal liability coverage and your home insurance company will pay for legal defense costs, settlements, and judgments awarded.


No. Homeowners Insurance does not coverage for automobiles.


No You would need to seek coverage under your medical insurance policy for accidental injuries. Homeowners insurance is for property and liabilities that may arise out of home ownership. Home insurance does not replace medical insurance. If you think the property owner is liable through cause of injury, you might seek coverage under their liability if they carry the coverage.


No, your homeowners insurance would not provide coverage for your pet.



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