Home Insurance – What Does It Do When You’re Not At Home?

home insurance when you are away from home Harbord Insurance

Don’t let its name fool you. Home Insurance covers far more than just your home.

One of the most significant pieces of your Home Insurance package is Liability Coverage, and your liability coverage follows you, whether you’re at home or away.

What is Liability Coverage?

Liability coverage is the part of your package that gives coverage if you injure someone and will provide you with coverage if you damage someone’s property.

Where does my Home Insurance Liability cover me?

Of course, it covers you at home (Home Insurance!). However, as long as you are not driving or doing something for work, liability follows you anywhere in the world.

How much does it cover for me?

Most policies start at 1 million dollars. Keep in mind you can increase that limit for a minimal cost.

What does it cover me for?

Liability Coverage can cover you for a lot of things. Here are a few that we’ve seen.

When you’re playing the perfect round

When you’re aiming for a hole-in-one but accidentally hit the rented golf cart instead, your Liability Coverage can come to the rescue. Their medical costs can be covered if they injure a buddy sitting in the cart. If you damage the cart, repairs can also be covered. This means you’ll still be able to afford your next round of golf…if you can show your face again.

When you’re on a family vacation

You’re having a siesta on the hammock while your kids are quietly playing. You wake up to find that those little angels have left all the taps running and caused a flood in the hotel. If you’re held legally responsible for those angels, your Liability Coverage can cover the costs of the repairs.

When it’s outside your control

Accidents happen, and that’s why there’s insurance. You may own the sweetest dog, but if Rover bites someone because he thinks they’re breaking in, it could be your fault. If you’re sued and legally liable for the accident, your Home Insurance Liability Coverage will respond. Keep in mind liability coverage won’t cover you or your household members.

When it’s just your fault

Maybe you didn’t clear your stairs after the recent snow, and your mailman fell. Perhaps you had too many glasses of wine at a friend’s house and ruined a priceless piece of art. If you are held at fault for these things, your Liability Coverage will respond.

We want you, your family, and your home to stay safe. Make sure you fix any potential hazards so that no one gets injured. Be cautious. But if something happens, we’re here for you.

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