Homeowner’s liability insurance covers a range of incidents and perils, but that doesn’t mean it covers everything. Memphis, TN, homeowners will want to read the policy’s terms and conditions carefully to avoid getting faced with unpleasant surprises later on. It’s also a good idea to know which types of perils aren’t typically covered by home insurance liability coverage. 

What’s Usually Covered

Liability coverage includes bodily injury, property damage, and legal defense costs related to bodily injury/property damage claims. 

Bodily injury includes all types of injuries incurred by people visiting your property. This includes not only visiting friends and relatives but also postal workers and delivery workers who are lawfully on your property. Bodily injury can also cover dog bites as long as the policy includes your dog breed.

Property damage covers damage to property owned by third-party individuals. It usually includes scenarios such as one of your trees falling on a neighbor’s fence or your dog chewing through your great-aunt’s $10,000 purse. 

What’s Not Typically Covered

Liability coverage doesn’t cover injuries to people living in the home or property damaged caused by the home’s residents. Furthermore, you can be denied compensation for typically covered claims if the cause of the accident isn’t included on the policy. For instance, if you fail to tell the insurer you bought a dog or put in a pool and someone gets hurt by one of these, your policy won’t cover the damages.

Homeowner’s liability insurance also doesn’t cover any type of commercial activity. If you run a home-based business or rent out your home for short time periods, you’ll need additional insurance coverage. 

Call Tackett Insurance Inc. for More Information

Our team at Tackett Insurance Inc. is always happy to answer questions, give personalized insurance advice, and help Memphis, TN, homeowners purchase home insurance coverage. Call us, and we’ll help you start the process of getting your home fully covered.