Month: October 2025

One of the most essential sections of your homeowner’s policy in Doylestown, PA, is liability. It protects you from a wide range of risks that may or may not be your fault. Sufficient liability limits can save you from financial ruin if someone sues you. Bucksmont Insurance can help design a home insurance policy to protect your house and assets.

Covers Accidents and Damage to Someone Else’s Property

Some people think that the liability portion of your policy only covers incidents that occur on your property. Yet the personal liability portion of your policy covers accidents that occur on your property, as well as elsewhere. This coverage also extends to family members. Liability pays for medical treatments, legal fees, and related costs if someone slips and falls, gets hit by an object, or otherwise becomes injured. The same applies if you or a family member injures someone elsewhere. Home insurance liability will cover you and pay court costs, even if you are not found liable for the accident.

If a mishap results in damage to someone else’s property, you’ll also receive coverage for repair or replacement costs.

The same goes for injuries or damages caused by pets. However, note that some carriers will not insure dangerous dog breeds known to cause severe injuries. You may need a separate pet liability policy.

Limits and Exclusions

Most policies have a liability limit of $500,000. For some households, this figure may be too small. In such cases, consider umbrella insurance.

Common liability exclusions involve the following:

• Intentional harm and criminal acts
• Business-related claims
• Injuries to household members

Contact Bucksmont Insurance for an Appointment

Secure a home insurance policy providing you with sufficient liability protection in Doylestown, PA. Contact the professionals at Bucksmont Insurance for an appointment to get started on a policy to protect your home and assets.