Homeowner’s Insurance Helps Protect Your Home

Accidents happen at home and they can be expensive. If you injure someone or damage their property by accident, it can have serious financial repercussions. This is especially true if the person gets a lawyer and decides to sue you. Protect the equity that you’ve built in your home with a homeowners insurance policy, which can pay for slips and falls and other covered events on your property and away from home.

What’s Covered?

Your home insurance policy won’t cover auto accidents, but it does cover events away from home. Maybe you wipe out on the slopes and take another skier down in the process, or perhaps you take a hot casserole over to the new neighbors and they get burnt while grabbing the dish. These events may be covered under your Huntington, TX insurance policy.

What If It’s My Fault?

The expectation under the law is that you act reasonably. If you react and behave unreasonably, and someone gets hurt, you can be held negligent. For example, if you accidentally knock someone down because you’re looking at your cell phone, you might be accused of negligence because a reasonable person looks ahead while walking.

Your homeowner’s policy typically covers the negligent behavior of you and your family. For example, if your kids hit a baseball through your neighbor’s window while practicing for the big game, your home liability insurance will probably cover the damage. Ask you Integra Insurance Services agent what coverage is available to protect your family.

Lawsuits

Your homeowner’s insurance may pay for a lawyer in case of a lawsuit. Depending on your coverage options, it may cover court fees as well. This is a huge relief when you are undergoing the stress and expense of a lawsuit for an unintentional event.

Come by Integra Insurance Services or make an appointment to receive a quote to protect your Huntington, TX home.