Living in Ontario, CA means being a responsible homeowner. Having homeowner’s insurance is a must – and most policies will include home liability coverage. Understanding how this coverage can help you save money is important as it will allow you to have sufficient amounts on the policy.
You need this liability coverage in the event someone has an accident on your property. This is anyone who is a guest and doesn’t actually live in the house with you. Visiting family, friends, contractors, and others could injure themselves on your property or in your home. Examples include:
- Tripping down the stairs
- Slipping on a frozen sidewalk
- Falling in the yard
Whatever the accident, it is possible for someone to get severely hurt. They may sue you and the home liability coverage will generally take care of legal costs. This will ensure you are properly represented in a court without it costing you a fortune.
If you are deemed liable for the accident, you may be responsible for paying for pain and suffering that the person has dealt with from the accident, lost wages, medical bills, and much more. There is no saying how much this could add up to – it is based on severity of the accident. If you don’t want to pay for these out of pocket, you need the liability coverage.
The more coverage you have on your policy, the better. This will minimize the amount of money that you could potentially pay out of pocket if someone ever gets hurt on your property.
At THINK Insurance & Financial Services, we want the very best for you and your home. Contact us today to learn about home liability coverage in Ontario and what it’s going to cost for you to get a comprehensive homeowner’s insurance policy.
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