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| Mr. Samy Beshay Expert in all kind of insurance |
What does Personal Liability cover in a home insurance policy?
Provides coverage for personal liability to defend you if a lawsuit is filed against you and pays compensation to the injured people to the maximum extent covered by the home insurance policy. For example, if a person falls from the stairs of a house or your child accidentally throws a ball from the neighbor's window, causing valuable items to be broken in the neighbor's house, it will be legally responsible for the damage caused, as well as covering the medical expenses of non-residents in the home who were accidentally injured in or around your property. A swimming pool in your home and an injury or death occurred in or around the swimming pool, even if the victim or injured crossed the border, climbed a fence to reach the swimming pool, or used the swimming pool without the permission of the owner of the house, so the owner of the house would be liable for the damage. Other examples are covered under Personal Liability—defamation, libel, and invasion of the privacy of others.
Usually, the home insurance policy contains a minimum amount of 100 thousand dollars in the document, and it can be increased to several amounts such as 300 thousand, 500 thousand dollars, or one million dollars.
All home insurance documents contain Personal Liability Coverage, whether it is Homeowner, Condominium, or Rental policy.
The cost of defending the lawsuit is included in Personal Liability Coverage.
Does the home insurance cover water damage, bacteria, or mold caused by water?
It depends on how the damage occurred if the damage occurred as a result of a flood. The Homeowner Policy does not cover the damage. In this case, you must have a different document called the Flood Policy. If the damage were the result of an explosion of water pipes, an automatic fire sprinkler system, or a washing machine water line, in these cases, the insurance company would cover the resulting damage. For water, the insurance company can not pay the costs of damage caused by water if the injury occurred due to negligence in maintenance or poor maintenance. The home insurance policy can cover the damage resulting from sewage for an additional cost added to the home insurance policy.
Can the home insurance company cancel the home insurance policy if no residents are home?
Yes, the insurance company can cancel the policy or not issue a home insurance policy if the house is not inhabited because the place, in this case, is subject to any damages such as theft, for example, water damage or glass breakage. Most insurance companies have rules about how long a home can be vacant or not before canceling the insurance.
Does the home insurance policy cover private belongings if they are stolen from the home garage in case the garage door is left open or forgotten to close?
Yes, the home insurance policy compensates the owner of the insurance policy for items stolen from the garage. You must file a police report for the theft and pay the Deductible. If you have receipts and photos of the stolen items, this will help expedite payment. But if your car is stolen from the garage, it will not be covered by the home insurance policy, but it will be covered by the car insurance policy if you have comprehensive insurance.
Note that if personal belongings are stolen from your car, the coverage is not from the car insurance policy, but the belongings are covered through the home insurance policy.
Does the Homeowner Policy cover damage to the home due to an earthquake?
Of course not, because there is an insurance policy covering damages resulting from an earthquake called the Earthquake Policy. There is also an insurance policy for protecting damages resulting from floods called the Flood Policy.
Does the home insurance company have the right to conduct an internal and external inspection and inspection of the house?
Indeed, the home insurance company has the right to conduct a home inspection when purchasing a new insurance policy or claiming compensation for Claim.
Sometimes the inspection is external or inside the house itself, and the home insurance company can refuse and not accept the house insurance after sending a letter to the insured notifying him due to the company's refusal to insure the house and setting the expiry date of the insurance policy. In many cases, the home insurance company asks the insured to repair some things in the house Or remove some of the items around the house. The insurance company can refuse to accept the insurance policy if a species dog is known to bite in the place. This increases the risk the home insurance company is exposed to in compensating those affected by the dog's bite.
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