All posts in home insurance in Los Angeles

Protecting Yourself From Lawsuits at Home

Protecting Yourself From Lawsuits at Home

When most people think about home insurance in Los Angeles, they may think about protection from theft, fire and weather, some of the largest benefits of having this type of coverage. However, what most people forget is that home insurance is also critical at protecting homeowners from lawsuits resulting from personal injury or other unfortunate accidents that occur on their property.

When you decide to purchase homeowners insurance, a representative of your provider of choice is sent to your home to assess your personal risks. This takes into account various factors, such as the age of the home itself, the addition of pools, sheds or any other item located on your property that might be considered risky to any extent. These factors are then used to create a coverage plan that assesses your individual needs as a homeowner and ensures you’re covered in the event that an accident occurs on at your home that results in personal injury or other damages.

Protecting yourself is important, but protecting others is equally crucial if you’re looking to promote a safe home and avoid any potential lawsuits in the years to come. Speaking with a professional about home insurance in Los Angeles can help you to better understand your options and get you on your way to obtaining the coverage you need.

More

Insurance for Dog Bites Eases Pet Owners’ Minds

Insurance for Dog Bites Eases Pet Owners’ Minds

You love your dog and know that it will never maliciously hurt anyone. However, even a normally calm dog may bite if it is scared, startled, or stressed. Sometimes your dog may bite if another pet is trying to take food or a toy away from your dog. Unfortunately, if your dog hurts a human or another pet, you may be sued for the damages caused by your dog.

Fortunately, there is insurance for dog bites. This insurance will cover any damages, up to a certain amount, made to a human or their pets that is caused by your dog. These damages can include bites, scratches, and other injuries caused by your pet. Depending on your specific coverage and how much premium you pay, you may be covered for hundreds of thousands of dollars. Some insurance may even cover you for millions of dollars.

Even if your dog does not have a history of biting, you may be required to have insurance for dog bites by your landlord. Some insurance even allow you to add your landlord of the property management company to your policy. This is important because they would not want to be held liable by the injured party if your dog causes the injury on their property. Therefore, having canine liability insurance can be beneficial to everyone involved.

More