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Do you need legal cover on home insurance? Do you need legal cover on home insurance? Do you need legal cover on home insurance? Do you need legal cover on home insurance?
I’m buying my first house and researching what I will need in my home insurance. I’m not entirely sure what liability covers. Do I need the legal cover on my home insurance policy?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on buying your first house! Also kudos for looking into homeowners insurance ahead of time, the legal cover (or liability coverage) in home insurance is an important part of it.
Liability coverage is typically included in basic homeowners insurance policies. This part of the policy is designed to cover you both financially and legally in the instance someone is harmed on your property. Here are just a few reasons why you need liability coverage:
- Medical bills: Your liability coverage will pay for someone’s medical expenses if they are injured on your property.
- Legal fees: Homeowners insurance should cover the costs of going to court such as court fees, attorney fees, and claim settlements.
- Personal liability away from home: If you’re on vacation (or anywhere besides at home) and you damage another person’s property, this should also be covered by the liability coverage found in your homeowners policy.
To put it in the simplest of terms, yes you need the legal cover or liability coverage included with your homeowners insurance policy. If you’re ready to get top of the line homeowners insurance, let
Jerry
help you start saving. Download the Jerry app or visit getjerry.com, and in less than a minute you’ll have a list of competitive quotes from trusted insurance carriers. Pick the policy that fits your needs and let Jerry handle the rest—you’ll be signed up with your new policy and Jerry can even help you cancel your old one!
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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