Liability Coverage — Protection When a Guest Is Injured on Your Residential Property

Do you invite guests to your home on occasion? Are there any parts of your home or land that pose a threat to their safety? It could be beneficial to equip your property with residential liability coverage.

Risk Assessment

If liability insurance is something you have contemplated acquiring, now is a good time to conduct a risk assessment. The purpose of an assessment is to determine how safe your property is.

Any areas of concern should be addressed. The results of the assessment can be used to determine how much liability protection is needed. The results may also indicate whether more insurance protection is needed at a specific time of the year.

If your property is equipped with surfaces that ice over during the winter, for instance, you may be interested in adding liability coverage to your insurance policy during the months of the year when icy precipitation is likely to occur.

Liability Insurance Benefits

Liability insurance will provide you with a layer of security. If a friend or family member is injured on your land or within your home, the medical expenses that they are faced with may be picked up by the coverage that your policy provides.

This could be a big deal if you do not have excess money to pay for liability costs on your own. Liability protection may cover hospital stays, medical appointments, medical devices, and other essentials that an injured person needs to be treated for an injury.

Insurance Policy Modifications

Would you like to add liability coverage to your existing home insurance policy? If so, contact one of our DePaulo Agency representatives. An agent who serves Scotia, NY will prepare the necessary insurance upgrades for you during your next appointment.