Ask most homeowners around Braselton, GA, about what home insurance protects against, and they are likely to mention issues like storm damage, fires, theft, or even vandalism. However, Bingham Insurance Group of Braselton, GA, wants you to be aware of a critical part of your homeowner’s insurance: the protection afforded to you by the liability insurance coverage of your home insurance policy.
What is Liability Insurance?
Liability insurance offers financial protection should someone become injured or suffer other losses while they’re on your property. As a homeowner, you have a basic responsibility to ensure the safety of visitors, and if they were to get injured, you might be held financially responsible.
Examples of Liability Risks
Liability risks at your home can range from pet and dog bites to slips and falls from a cracked walkway or a piece of loose carpeting. You could face a liability claim from a friend, relative, neighbor, or even a delivery person or yard worker. Even items as seemingly simple as a backyard swing set can be a source of a liability claim.
Why Liability Protection is so Important
Liability protection is important because claims can be significant. Settlements can be large, and the legal costs associated with these claims can also be substantial. Homeowners insurance liability coverage takes care of settlement amounts and legal costs.
Learn More at Bingham Insurance Group
If you’re a homeowner in the Braselton, GA, area and have questions about homeowners insurance, we invite you to contact Bingham Insurance Group. We can answer your questions, review your current home insurance policy, and provide you with a potential money-saving price quote.
Ensure that your homeowner’s insurance, including your liability coverage, is up to date by contacting Bingham Insurance today.
