Homeowner’s insurance coverage is a lifeline for anyone who owns a home. When you have homeowner’s insurance, you’re protected against your belongings and your house costing you everything in a fire or a burglary. When you think of homeowner’s insurance, you think of that.
But homeowner’s insurance also protects you from liability. If a guest in your home gets injured, you could be facing a lawsuit and significant settlements or judgments against you, especially if lost wages come into the picture. At the same time, there are certain waivers of responsibility that are important to know. AAIGOT Insurance Agency Inc serving Houston, TX can help you with questions about your home insurance.
What Does Home Insurance Cover
Medically speaking, home insurance covers liability for accidents on and around your property. If you have a guest in your home who chokes and needs medical attention, if they decide to sue you after they recover, you may be able to use your liability coverage to ensure that your responsibility is covered, avoiding damage to your finances.
Limitations
There are certain situations that homeowner’s insurance won’t cover in medical liability. First, homeowner’s insurance only covers liability. It’s not a substitute for health insurance – so make sure you have that covered as well. It also doesn’t cover injuries or damage resulting from drug use, another good reason to ensure that you and all your guests are drug-free. With this handful of rules and limitations, you should be covered in most cases.
Next Steps With Us
Take your next steps by protecting your home and all the people in it, whether they’re family members or guests. Call, click, or stop by AAIGOT Insurance Agency Inc serving Houston, TX for a free, no-obligation quote on a new homeowner’s insurance policy today.
