Pearson & Company Insurance, Inc 601-482-6699
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Meridian Home InsuranceLiability is defined as a legal or financial obligation. Homeowners and renters are responsible for ensuring the safety of their homes and property. But various unexpected incidents can occur in your home that you may be held liable for if the damage occurred because of oversight or negligence. For instance, you could be liable for a guest’s injury or property damage if there are any dangerous conditions in your home that go unrepaired, such as a loose floorboard or a slippery walkway.

What else might you be held liable for in your own home? Here are a few examples:

  • A guest trips over tools in your lawn and gets injured
  • An icy walkway causes a guest to fall
  • A pair of shoes on your stairs trips a guest on the way down    
  • Serving alcohol to a guest who later crashes a car
  • Your dog bites a guest (this occurrence makes up about a third of all liability claims)
  • Your child throws a ball through a neighbor’s window
  • A tree branch from your yard falls onto your neighbor’s fence

These incidents show different situations that might require a settlement. You’re obviously responsible for any property damage that befalls your neighbors and guests in and around your home. But you may also be liable for medical expenses associated with an injury on your property, as well as legal expenses in the event of a lawsuit. Unfortunately, today’s litigious society is very quick to sue, which can affect your liquid assets, investments, retirement accounts, personal property, home and any other properties you may own. Liability coverage is designed to protect these financial assets in such cases.

A typical homeowner’s insurance policy includes $100,000 of liability coverage. But, a large lawsuit or expensive medical bills can easily surpass that amount, which would result in you paying the damages out of pocket. However, you can increase your liability coverage, often up to $500,000, for an affordable price. You may also choose to buy an umbrella policy, which can add another $1 million or more in liability coverage that kicks in once your other policy limits are exhausted.

Keeping your home and property safe is beneficial for you, your family and your guests. Safety is always your first defense against accidents and injury. But the unexpected is always lurking behind corners, and for such times, liability insurance can offer you the protection you need to rest assured that your finances are secure.

Take your home coverage to the next level. Call Pearson & Company Insurance at (601) 202-0282 for more information on Meridian Homeowners insurance.

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Pearson & Company Insurance, Inc.
2210 13th Street
Meridian, MS 39301

Phone: 601-482-6699
Fax: 601-482-1526
Email: hmpearson@bellsouth.net
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