March 08, 2006
What kind of coverages apply when someone gets hurt on my property?
Your home insurance policy includes Personal Liability which protects you and your relatives who are part of your household. Personal Liability also safeguards you from any legal liability for injuries to other people either on or off your property, or if you cause damage to anyone else's property.
The insurance company will also pay the costs to defend lawsuits brought against you. You can typically choose from a range of limits beginning with $50,000 as offered by companies such as Metlife.
In addition liability coverage, Medical Payments to others also covers a person outside of your household if injured by you, or if they get hurt on your property. Under this medical payment you cab get reasonable medical expenses, regardless of fault, up to $1,000 for each insured person. This limit can also be increased.
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