Selecting a homeowner’s insurance policy that is appropriate for your goals, concerns and plans can seem easy, but there are several factors to consider before you make a final decision. Depending on the insurance plan and the coverage that you purchase in Bethlehem, PA, injuries to outsiders on your property may or may not be covered.

Liability Protection

In general, liability protection on a home will usually provide some coverage for outsiders within the insured premises. Injuries to outsiders refers to any accident or injury that occurs in your home and involves a guest or visitor.

Even though many policies may have limitations on the coverage amount, most plans will offer protection for any guest or visitor to your home, even if they do not live on the property. Basic liability may mean that the insured premises covered injuries and damages to personal belongings when guests fall, are pushed or otherwise are injured when they visit your home.

The Premises

Identifying when an individual is covered against injuries can seem complicated, especially if you are not sure whether the injury took place on your property or not. Depending on the plan and the property that you own, the area that is considered the premises may vary.

Usually, the premises refers to the house and any property that you own. That may include a garage, shed or the front and back yard of your house. Read your policy if you are not sure if a particular location is covered under your plan.

When you purchase a homeowner’s insurance policy, the liability protection will usually provide coverage for your family as well as any outsiders who are visiting your home if an accident occurs. Contact us to talk to an agent for more details about your policy.