Some of the terms with Alabama home insurance may be confusing at times. What is the main difference between home insurance and liability insurance?
Liability insurance is an additional policy that you add to your existing homeowners insurance policy. Liability coverage will protect you and the persons on your property if an accident occurs. It essentially protects you from any risks or medical expenses that may be associated to having people on your property.
The specifics of your liability coverage will depend on the policy you choose and the carrier. An example might be if you have a dog; liability coverage will protect you if the dog bites someone.
There are also exceptions in the liability insurance as well. Some people also consider personal umbrella policies to help fill in gaps where home insurance and liability insurance might not cover completely. It’s best to consult with one of our agents at Diamond Assurance Group to see if you have the proper coverage to protect your home and family.