The idea of a guest sustaining a serious injury while visiting your home may seem outlandish, but every year, plenty of homeowners find themselves facing lawsuits for that very reason. Life can be unpredictable, and sometimes visitors on our properties get hurt for one reason or another. Here are a few things you should know about these situations:
You can be sued for medical fees, legal fees, and more. If the injured party seeks medical treatment and sues you for the cost, they can also sue you for the costs of any legal counsel they retain. They may also sue you for damages done to their property as a result of your negligence–for example, if a tree on your property falls onto theirs.
Personal liability insurance can help mitigate the consequences. Depending on your insurer, your personal liability insurance in Peoria, AZ, could help protect you from lawsuits and cover the costs of damages mentioned above. Some policies even provide coverage for property damage you cause elsewhere than your own property.
You may already have personal liability coverage. Many homeowners’ insurance policies have personal liability insurance coverage built into them. It’s a good idea to check with your provider to make sure you’re protected and shop around if you’re not.