Personal Liability Insurance

It can provide financial protection by covering legal costs and damages if you are found legally responsible for injuring someone or damaging their property.

This depends on your assets, lifestyle, and risk exposure. We would recommend enough coverage to protect all your assets.

Umbrella insurance provides additional coverage beyond the limits of standard personal liability insurance, offering extra protection. Learn more about our TRU Umbrella insurance solution.

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Anyone who answers “yes” to these two questions:

• Are you an individual?
  Do you own anything? (car, house, trampoline, ATV)

If “yes” to both, this means that most likely you could be held liable on a personal level if a coworker, neighbor, or even stranger found any reason at all to pursue a lawsuit.

What are you supposed to do with this personal liability hanging over your head? You might want to consider personal liability insurance. What is personal liability insurance?

Personal liability insurance: Insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t.

Perhaps there’s a misunderstanding at work with an employee; maybe your neighbor’s child falls off your trampoline; maybe a buddy falls off your ATV and ends up paralyzed. No matter the situation, personal liability insurance is in place to help cover gaps in your traditional insurance coverage, minimize exposure and maximize peace of mind. And thanks to providers like XINSURANCE, personal liability insurance is now possible for you at work, at home, at play.

There are things that are usually not covered under your homeowners insurance policy that may surprise you. We’ve listed them below but remember, XINSURANCE can offer specialty insurance solutions to the fill gaps of what isn’t covered on your homeowners policy.

• Pools and hot tubs are an ‘attractive nuisance,’ and even if they are safely fenced, some homeowner policies will not cover either one.
• Trampoline injuries aren’t covered by insurance. In fact, just having a trampoline on your property is reason enough for some companies not to insure you at all.
• Treehouses might be covered as an ‘accessory structure,’ but most providers will not cover them.
• High-risk dog breeds such as pit bulls might not be covered under many policies if they injure someone, even if the homeowner has liability coverage that protects against dog-related injuries.
• Stolen or destroyed cash over $1,000 isn’t covered.
• Sewer backups are not covered under water damage in an insurance policy. Water damage in policies refers to water line breaks, if your appliances overflow or leak, or if hail or the wind causes a hole in your home through which water enters and causes damage.
• Nuclear accidents are a standard exclusion.
• Sinkholes are ‘earth movement’ just like earthquakes, so insurance doesn’t cover them.

Specialized personal liability coverage added to your home insurance policy will ensure that your earthly establishment is fully covered.

Accidents can happen, and so can seemingly innocent actions that cause unintended consequences. You may feel that your automobile, home, and professional insurance policies have you covered, but you’re still vulnerable to their exclusions and policy limits.

Here are examples of litigation scenarios:

• Giving a dog obedience school a bad review. Businesses that depend on their online reputations for customers are vulnerable to negative reviews. Many potential customers take these reviews at face value because they’re given by people just like them. Whether any individual review actually causes a loss of business doesn’t matter. If a business associates your bad review with their loss of business, it’s enough for some business owners to sue you. Even if they lose the case, you’re still out of the time and money put into defending yourself.
• Accidentally electrocuting someone. How is this possible? When someone enters your flooded basement that has the normal electrical appliances common to basements. Or someone goes for a swim in your pool with an old pump with electrical work that finally wears out. Or the third prong of one of your power outlets isn’t connected to the ground and someone plugs a defective appliance into it.
• Causing a chain-reaction car accident. Losing control of your car because of a tire blowout or other mechanical reasons can trigger a chain reaction accident in some circumstances. If the accident involves a tractor-trailer rig, the injuries and damage can escalate even further.
• An attractive nuisance injures a trespassing child. Examples of attractive nuisances include trampolines, treehouses, swimming pools, skateboard ramps, or a deep pit in your yard.
• Suppose you lived in a household with no toddlers or small children. Placing something like a decorative vase on top of a drawer seems harmless enough. While such a choice is perfectly reasonable in a household of adults and older teens, it could cause a tragic injury should a neighbor’s child climb the drawer and pull the vase down on himself.
• Someone falls in your home.  An injured back can end the career of a construction worker for example. Disfigurement can affect one’s personal life, career, quality of life, and can cause psychological scarring in some people. The damages awarded in court for these kinds of injuries could easily exceed your homeowners liability limits.

Costs can be influenced by your coverage limit, location, claims history, and specific risk factors tied to your lifestyle or property. It’s best to contact us and tell us more about you so we can provide a personalized quote.