When you buy a home, one of the first things you need to do is secure homeowners insurance. Liability coverage is commonly included with a standard home insurance policy. Some people choose to increase liability coverage because the coverage you need depends on a number of factors.

Do you have questions about liability coverage? Old Pueblo Insurance can help you learn what coverage your Oro Valley, AZ home needs.

Injuries at Your Home Can Be Devastating

When somebody is injured or their property is damaged at your home, the results can be serious. You may be held responsible for the financial impact, which can cost hundreds or even thousands of dollars. You could be left with serious bills to cover, including medical bills, lost wages, and personal property damage. For many people, an emergency like this would devastate the family.

When you do not have liability coverage, you are on the hook for expenses associated with injuries and property damage. When you do have coverage, your insurance company may be able to handle the issues that arise.

Standard Liability Coverage Doesn’t Take Care of Everything

Many people consider add-on policies to their liability coverage so that they can add more value to their coverage. For example, somebody could experience higher medical bills than your policy covers. Adding more liability coverage to your policy will protect you in the event that this happens.

Pay Attention to Your Homeowners Insurance Policy

Old Pueblo Insurance, which serves Oro Valley, AZ, can help you determine what kind of insurance you need. Reach out for more information about liability coverage and how it impacts your home insurance policy and your responsibility.