What to Know About Home Insurance Liability Coverage

Making sure your home is protected is always a priority. To help you navigate the ins and outs of home insurance plans, Reliant Energy offers a range of home protection plans in Dallas and the surrounding areas. Before signing up for a home protection plan, it’s important to understand what’s included in your coverage, particularly when it comes to liability coverage.

What Is Home Insurance Liability Coverage?

In simple terms, home insurance liability coverage protects you from financial loss if something happens on your property that’s deemed to be your fault. This could include a slip and fall, damage to an outsider’s property, or bodily harm to an outsider. When you purchase Reliant Energy’s home insurance coverage, liability protection is included in most policies. Depending on the type of plan you select, liability coverage may also cover medical expenses related to the incident.

What Is Typically Covered by Home Insurance Liability Coverage?

Most home insurance policies offer liability coverage with limits ranging from $100,000 to $500,000. Typically, the liability coverage provided by home insurance plans includes bodily injury, property damage, and defense costs.

What Is Not Covered by Home Insurance Liability Coverage?

Home insurance liability coverage typically does not cover intentional damages, auto-related losses, or damage caused by wild animals. Additionally, you may need to purchase additional endorsements in order to cover certain types of liabilities, such as swimming pool or trampoline liabilities, that are not typically covered by standard home insurance plans.

How Can You Get Home Insurance Liability Coverage?

When it comes to home insurance, Reliant Energy offers a range of plans in Dallas and the surrounding areas. With Reliant Energy’s customizable home protection plans, you can choose the coverage limit that’s right for you, which is important when it comes to liability coverage.

The Bottom Line

Home insurance liability coverage is vital to protecting your home and your pocketbook. Whether you’re looking for coverage in Dallas or the wider Texas area, Reliant Energy offers a range of home protection plans to suit every homeowner. When you’re considering your home insurance options, make sure you understand all the components of your coverage, including liability protection, so you’re making an informed decision.