If you’re not already familiar with buying Ohio homeowners insurance, some of the terms may be confusing at times. Some people ask what the difference between home insurance and liability insurance is.
Liability insurance is an additional policy that you add to your existing homeowners insurance policy. Liability coverage will protect you and persons on your property if an accident occurs. It essentially protects you from any risks or medical expenses that may be associated to having people on your property.
The specifics of your liability coverage will depend on the policy you choose with the carrier. An example might be if you have a dog; liability coverage will protect if the dog bites someone.
There are also exceptions in the liability insurance as well. Some people also consider personal umbrella polices to help fill in gaps where home insurance and liability insurance might not cover completely. It’s best to consult with one of our agents at Moon and Adrion Insurance Agency to see if you have the proper coverage to protect your home and family.