Three things to know about protecting yourself from liabilities with home insurance

One of the most important functions of home insurance in West Hartford, CT is to protect homeowners from financial liabilities. Home insurance policies offered by ALLConnecticut Insurance provide liability coverage to protect policyholders from the costs of a lawsuit resulting from an injury or damage to the possessions of another individual on their property.

The following are three things homeowners should know about protecting themselves from liabilities with home insurance. 

Liability coverage typically covers both bodily injury and property damage. 

Home insurance covers numerous types of liabilities for policyholders. Policies provide coverage if an individual becomes physically injured on the property of the policyholder. Policies also provide coverage for situations where an individual’s property becomes damaged on the property of the policyholder. 

A typical home insurance policy will offer a policy limit of $100,000 for liability coverage. 

It’s typically standard for home insurance to provide $100,000 in liability coverage. However, many homeowners don’t feel secure with only this limited amount of coverage and wish to add more liability coverage on to their home insurance policy. 

Homeowners typically have the option of adding on more liability protection through added coverage or an umbrella policy. 

Homeowners who want more liability coverage than a standard policy offers should discuss their coverage needs with a representative from their insurance coverage. 

Home insurance providers typically offer higher liability coverage limits for an additional cost. Alternatively, some providers offer umbrella insurance that provides coverage in excess of a policy holder’s other insurance policy limits. 

If you’d like to learn more about liability coverage on your property in West Hartford, CT, contact us at ALLConnecticut Insurance. 


What kinds of losses does a typical auto insurance policy cover?

Auto insurance policies can be customized to cover many different situations depending on the needs of the driver. Some common areas of loss are accidents and collisions, theft, weather damage, vandalism, and liability from lawsuits by injured drivers. ALLConnecticut Insurance serves the West Hartford, CT area with all of these kinds of coverage and policies that work for all kinds of motorists. 

Losses that drivers may experience during the course of any given year

The most obvious source of losses and vehicle damage is an accident. When a driver gets in an accident, they need to report it to the insurance provider so that they will be covered in case the victim files a lawsuit or they need to make a claim under their collision coverage to make property repairs. Especially in cases where drivers have a new or expensive vehicle, they will want to be able to make repairs as quickly as possible and get back on the road.

Crime is also a reality of living in many parts of the United States. Cars are broken into, stolen, and vandalized every day. If this should happen, your car insurance policy will cover losses due to legitimate crimes. 

Inclement weather causes all kinds of property damage. Wind, rain, snow, and ice can all damage vehicles when the weather gets very bad at certain times of the year. Because the weather is out of the vehicle owner’s control, it is best to prepare for these potential losses with the right insurance policy. 

Get help from a local agent today

There are agents available who serve the West Hartford, CT area. Get in touch with ALLConnecticut Insurance to speak with a knowledgeable representative today.