Liability insurance is included in a homeowner’s insurance policy as one of the basic coverage. Accidental damages and injuries of family members and pets which you are liable for are covered by liability insurance. However, injuries you sustain are not covered (you may use your health insurance for that). This is especially important if you have machines and tools in the house that may cause injury. Most of these are garden-related injuries. Consider having additional liability coverage especially if you have firearms at home, a swimming pool or pets. People getting injured in another’s property can file a lawsuit, and it would be a tragedy not to have enough liability insurance.

To learn more about liability insurance, check out: Liability Insurance

(Image source: www.liability-insurance-central.com)