Surprising Things Covered (& Not Covered) Under Liability Coverage of Home Insurance
We all know why it’s important to have home insurance. It offers peace of mind and protection in case the unexpected happens, whether it is damage to your property, damage to someone else’s property or bodily injuries within your home.
But if the unexpected does happen, it’s not always clear whether it’s covered under the liability coverage portion of your home insurance. So, let’s go over some surprising things covered (and not covered) by your home policy.
Surprising Things Covered by Your Home Insurance Policy
Sport-Related Accidents
Let’s say you joined a recreational softball league for the summer. During one particular close game, you were running hard towards home to score, and in the process, you ran over the other team’s player, injuring them. If the act was accidental, then the resulting liability for causing this injury would be covered under your home insurance.
Operation of Small Watercraft
The operation of small boats is covered, usually providing that the boat is less than 26ft, under 50 horsepower, and valued at under $3,000. These conditions may differ from one insurance company to the next, so it is always best to check your home policy.
Accidents Away from Home
Depending on your policy, home liability coverage may also apply if you caused damage while away from home. For example, while you are on vacation and you accidentally caused fire or water damage to your Airbnb or hotel room. Your home coverage may pay for it.
Similarly, if you’re at your local grocery store and you accidentally injured someone with your shopping cart, your insurance will cover their medical expenses.