Find out what you need to know about a personal liability insurance policy.

You have insurance to protect you from life’s mishaps. From a house fire to a traffic accident, your home and auto insurance policies give you the coverage that you need to handle the situation at hand and to protect you and your family. However, your personal insurance policies have limits. If damages exceed your coverage limits, you’re left paying for the remainder out of pocket. That’s where personal liability insurance comes in. Get the extra protection that you need with the right personal liability coverage. Check out what you need to know about a personal liability policy.

What is personal liability insurance?

Personal liability insurance is a special policy that helps to increase your coverage limits. Every policy comes with a limit. If for some reason liability damages due to property damage or bodily injury exceed that of your primary policy, personal liability coverage gives you the insurance that you need to make up the difference.

What does personal liability insurance cover?

After an accident, you may be liable for a variety of different issues. From paying medical bills to repairing damaged property to covering costly legal expenses, your personal liability policy comes in handy. It covers the majority of liability incidents that occur when it comes to home and vehicular accidents. However, be aware that personal liability policies do have limitations. Read the fine print to determine which exclusions apply to your policy.

Why do I need personal liability insurance?

You need a personal liability policy to give you the extra coverage that you need in the event of a disaster. That way you have the peace of mind that you’re not left paying out of pocket when it comes to any backyard or roadside mishaps.

When it comes to protecting yourself with the right kinds of insurance and the right amounts for your home, auto, and personal liability contact us at Randy Jones Insurance Services in Pleasanton, California for assistance finding the right insurance policy for your needs.