Medical bills for visitors

Liability coverage may help pay for medical bills that result from a visitor's accidental injury at your home — and help prevent you from paying those costs out of pocket. Even if that person has health benefits, you could be held responsible for the expenses if it's determined that the injury happened as a result of your negligence — like if you failed to fix a broken porch step, for example.

Pain and suffering

Medical bills are one thing, but beyond that lies the possibility that you could be held responsible for any pain and suffering endured by a person who is injured in your home. If you're found legally responsible, liability coverage may help pay for the cost of a settlement against you.

Lost wages

If someone is injured while on your property and that injury results in their inability to return to work, you may be found legally liable for the wages they lose as a result. Liability coverage may help prevent you from paying out of pocket in a situation such as this.

Death benefits

Nobody wants to think about the possibility of someone having a fatal accident in their home, but it's something that you can't exclude. The average home liability policy also may cover death benefits to the family of someone who passes away as the result of an accident in your home or on your property.

Legal costs

If you're sued following an accident in your home, you may need a lawyer. Liability coverage may help cover your legal expenses, regardless of whether you're found responsible for damages.

Personal liability coverage away from home

Liability coverage also may help cover damages that stem from a covered loss that happens when you're away from home. For instance, if you accidentally cause damage to your hotel's lobby, this coverage may help protect you if the hotel company seeks reimbursement.