If you own a home in or around Ft. Wayne, IN, you likely have liability coverage as part of your home insurance package. Mortgage lenders usually require homeowners to purchase this policy for a home loan. Moreover, it’s one of the most common forms of home insurance coverage as it offers excellent protection in the event of an unfortunate incident. However, knowing what types of injuries are and aren’t covered under such a policy is beneficial.

Covered Injuries

Home insurance liability coverage is designed to cover injuries to third parties. If your dog bites the local mail carrier, your aunt slips on your porch, or a friend’s child falls off your trampoline, these injuries would be covered under your liability policy. This means the policy will pay the third party’s medical expenses. It will also provide compensation if you’re sued for lost wages or other forms of damage.

Injuries that Aren’t Covered

Home insurance won’t cover injuries you or your immediate family incur in your home. It also won’t cover criminal acts or vehicular injuries on your property. For instance, if you back your car out and accidentally hit a neighbor or relative visiting your home, your car insurance liability coverage would pay for medical and legal expenses.

Find Out More from Wise Insurance Agency in Indiana

Wise Insurance Agency serves homeowners in and around the Ft. Wayne, IN area, offering top-tier policies and insurance policy bundles at the best possible price. We also provide personalized assistance to help you assess your policy needs and pick the right insurance for your home. Get in touch with us to find out more or to start the process of purchasing a policy.