Liability

Liability coverage is a very important coverage on a homeowners policy that covers the homeowner and family in the event that the homeowner is found legally responsible for injury or property damage to others. There will need to be some type of negligence on the part of the homeowner and you must be found legally responsible thru a suit. An example would be if somebody were to injure themselves while walking up the stairs to your home due to negligence on your part. You could be found negligent for not replacing a hazard such as rotting stairs. The limits offered to you on your policy will range from $100,000 to $1,000,000. The higher limits of liability will pose a minimal increase in the premium on your policy. There are generally many exclusions on your liability policy such as auto and animal liability. As a homeowner you may be found legally responsible for injury on your property even if the injury was out of your control. As a California resident it is recommended that you review the difference in premium on your policy between the limits of coverage. If you are interested in higher coverage for your liability protection you could also speak with one of our experienced agents regarding a personal umbrella policy. For a minimal premium you could purchase an umbrella policy that would extend liability above your homeowner and auto liability limits. Request your quote online today or call 530.923.2930 License 0G13612.