What is liability coverage and why do I need it?

The most common question I receive from homeowners is - What is liability coverage and why do I need it?

Personal Liability coverage insures you for claims involving damages for which you are held liable. This means either paying for the claim or defending you in court. If you do not have this coverage and are held accountable for claim, your personal assets could be seized and your wages garnished.

Review your policies to make sure you have this coverage and that the limits are at a acceptable amount. We suggest at least $500,000. Please contact the Personal Lines Department if you have any questions.

Courtesy of Eva Rhoades - Personal Insurance Sales