Homeowners Liability Insurance in Idaho Falls and Island Park, ID
Protect Yourself, Your Home, and Your Finances.
Making sure you have adequate protection against the various liability risks you face as a homeowner is essential. Most homeowners insurance policies provide liability protections. Learn more about this portion of your policy below or contact The Falls Insurance Center today to talk to a member of our team.
What Is Homeowners Liability Insurance?
Your homeowners insurance policy includes both property and liability protections. Property protection helps cover the cost of repairing or replacing your personal property and the structure of your home itself.
The liability portion of your policy helps to cover lawsuits for bodily injury or property damage that you or family members may cause, as well as any medical expenses incurred by guests who are injured at your home. It pays for both the cost of litigation and any court awards, up to the limit of your policy.
- Personal liability—If you are sued due to a covered incident, your homeowners insurance coverage may pay your legal costs and possibly the damages for which you’ve been found responsible, up to your coverage limits.
- Medical expense coverage—If someone is injured on your property, your homeowners insurance may help pay their medical bills, even if they have health insurance. Because this is no-fault coverage, the injured individual may submit their medical bills to your insurer without filing a claim against you.
How to Get Homeowners Liability Insurance
Having the right home insurance policy, and ensuring your liability limits are adequate, is essential. The Insurance Center is here to help you navigate your home insurance needs. We cover homeowners in Idaho Falls, Island Park, and surrounding areas. To get your policy today, don’t hesitate to get in touch with us.