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The typical homeowner’s insurance policy provides limited coverage for personal injuries or property damage to others for which you may be legally responsible. The injuries or damages don't have to occur on your property.
Your liability coverage will pay all of the injured person's losses associated with the injury up to the limits of your coverage. Your policy will describe what types of claims are covered, so make sure to check with your carrier for particular coverage questions. Coverage may vary by state, policy type, and insurer, typically providing a minimum of $100,000 of coverage "per occurrence." There is no deductible for personal liability or medical payments coverage.
For quality legal representation, please contact our personal injury attorneys of Sacramento & Elk Grove-based John M. O'Brien & Associates by calling 1-800-722-4176 or send us an email and someone from our office will be in touch with you shortly.
DISCLAIMER: This article is not a substitute for legal advice and in no way constitutes legal advice or gives rise to an attorney-client relationship. Adequate counsel is fact-dependent and requires independent analysis and inquiry specific to your situation and circumstances. This article is simply meant as a guide to explain in general and brief terms certain issues and serves to provide general information. Contact John M. O’Brien & Associates at 916-714-8200 if you require legal help or wish to seek legal advice for your specific legal issue(s).