| Much like the case is with personal property insurance | | | | These incidents are the reason that liability insurance is |
| it's important to consider additional insurance coverage. | | | | really so important. You might never think that |
| Here's a look at the basics and importance of having | | | | someone would slip and fall down your hardwood |
| personal liability insurance. Understanding the need for | | | | steps or that your sweet little dog might take a chunk |
| personal liability insurance makes it easier to choose | | | | out of the plumber's ankle. These are unforeseen |
| the right policy for your needs. Homeowners most | | | | incidents that you can be held liable for. |
| definitely need liability insurance. Renters, as well, are | | | | Renters need to carry a policy as well because the |
| often surprised to discover that they need liability | | | | landlord can often make a case for renter liability |
| insurance. | | | | versus home owner liability. Most of the time this is the |
| Liability means responsibility. If you are found liable for | | | | result of failure to report something to the landlord. |
| an accident or an injury that happened in your home or | | | | Sometimes these are things that are foreseeable but |
| around your property it means that you are being | | | | are highly unlikely to occur. You might not have made |
| found responsible for the damage or the injury that | | | | an issue about the wobbly front step because it really |
| has been caused. | | | | wasn't that bad. Alternatively, you may have told the |
| You can be liable for an accident or injury without | | | | landlord verbally, but without documentation it is |
| being found to be malicious. Your intention may never | | | | certainly not unheard of for a landlord to claim you |
| be to hurt someone, but intent and responsibility are not | | | | didn't report something. |
| always interconnected. Accidents can happen despite | | | | Personal liability insurance is not a free ride nor is it |
| your best intentions. There are many things that can | | | | encouragement for you to become irresponsible about |
| happen when we least expect it and there are many | | | | your home's needs. We do, however, live in a highly |
| things that can happen that we honestly just never | | | | litigious society where an accident often means free |
| thought would happen. | | | | money provided that you hire a lawyer right away. |