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Staying Protected: What You Need to Know About Liability Insurance


Accidents can happen to anyone, anywhere. That’s why it’s important to have personal liability insurance. This type of insurance can help protect you if someone gets hurt or their property is damaged, and you’re held responsible. Here’s what you need to know.

Personal liability insurance is a type of coverage that helps protect you in case you are found liable for causing harm to someone or damaging their property. Liability insurance can help cover the costs of legal fees, medical bills, and property damage if someone sues you. For example, if you are the cause of an accident on i-25 in Denver which causes property damage and personal injury, your liability insurance would kick in to help you cover those costs.

It’s important to note that personal liability insurance typically does not cover intentional harm or criminal acts. It’s also important to review your policy to make sure you have adequate coverage. On top of adding this coverage to your homeowner’s and auto policies, it’s recommended you also get an excess liability policy in case the base coverage on your policy is not enough to cover damages. 

Here are a few reasons why personal liability insurance is important:

  • Protects your finances. If someone sues you and you don’t have liability insurance, you could be responsible for paying for legal fees and damages out of your own pocket. This can be expensive and could even cause financial ruin.
  • Peace of mind. Having personal liability insurance can help give you peace of mind knowing that you’re covered if something unexpected happens.
  • Required by some landlords. If you rent an apartment or house, your landlord may require you to have liability insurance to protect against any damage you might cause to the property.

By having personal liability insurance, you can help protect yourself from financial and legal trouble if something goes wrong. Be sure to give us a call to find out what type of coverage is right for you!

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