Please ensure Javascript is enabled for purposes of website accessibility
 

Is Your Home Insurance Offering You Enough Personal Liability Protection?

securing the right personal liability protection

Is Your Home Insurance Offering You Enough Personal Liability Protection?

Do you have enough personal liability coverage?

While you might associate homeowners insurance with protection for the structure of your home and personal belongings, your home insurance in Orange, California actually offers your four major coverages.  In addition to property and personal property coverage, your policy also offers you loss of use and personal liability insurance.  Personal liability insurance is what will offer protection if you cause third-party losses or if someone injures themselves while on your property.  As personal liability claims are some of the most expensive you can face, it’s incredibly important to make sure you have the comprehensive coverage you need.  Here’s what you need to know about securing the right personal liability protection.

  • Determining Your Personal Liability Coverage Needs

Unlike auto insurance, there is no minimum liability coverage amount that homeowners need to carry.  That being said, there are several factors that affect the amount of coverage that you absolutely need to carry.  For instance, your liability coverage limits should increase along with your income, investments, and property value.  If you have a pet, a swimming pool, trampoline, or other special home features, then you will also need higher liability coverage amounts to address your increased risk for third-party injuries and damages.  To determine how much coverage is right for you, you should speak to a trusted insurance agent.

  • Securing Additional Personal Liability Protection

If you only need to increase your coverage limits slightly, then you can simply speak to your agent to have your policy’s coverage limits updated.  Be aware that increasing your coverage limits will also increase your premiums.  Another way to secure additional liability coverage is by investing in a personal umbrella policy.  These types of policies offer excess liability coverage if a claim exceeds the coverage limits offered by your existing policies.  Securing an umbrella policy is a great way to supplement your homeowners insurance and get the comprehensive liability protection that you need.

This is what you need to know about your personal liability coverage needs.  Do you have additional questions regarding your personal liability or home insurance in Orange, California?  If so, then contact the experts at Remland Insurance.  Our dedicated agents are eager to offer their assistance today.

 

COVID-19

The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

Contact us Call Us