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Moscker Insurance

Brooklyn Park Insurance

Home Owners Liability Coverage

Liability insurance is very important to a homeowner's coverage because it helps protect the owner and the family from financial disaster if someone files a claim against the homeowner's policy, sues the homeowner or if the courts hold the homeowner legally responsible for someone else's injury or property damage. The standard liability limit for most policies is $100,000, but many people believe that additional protection is needed , especially if the homeowner has sizable assets.

For a small increase in premium, an additional $300,000 to $500,000 may be obtained. Liability coverage protects in three ways: Personal liability, damage to the property of others, and medical expenses for injury to others.

Another way to protect one's assets is to consider an Umbrella Policy which usually adds $1 million (or possibly more) in excess liability coverage to the homeowner's property and automobile insurance policies. It also covers claims excluded from most basic policies such as libel, slander, defamation and mental anguish.

For example, most policies provide liability coverage that covers not only accidents that occur on the insured property but accidents that occur elsewhere. If the family dog bites a neighbor in front of another neighbor's house, for example, the dog owner's homeowner's policy will usually compensate the neighbor for injuries and necessary medical expenses. For more information on Brooklyn Park home owners insurance visit our specialist site below.

If you need insurance in Brooklyn Park, MD, then call us at (410) 544-6104.

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Insurance Companies We Represent:

Peninsula Insurance Company   Harleysville Insurance   PMA Companies Insurance   AIC Insurance

State Auto Insurance Companies   Liberty Mutual Insurance   Penn National Insurance

Companion Group Insurance   Accident Fund Insurance Company   Safeco Insurance

;Travelers Insurance   Harford Mutual Insurance Company   Donegal Insurance Group

Progressive Insurance   Hanover Insurance Group   Personal Umbrella

Selective Insurance   Chesapeake Employers Insurance   Brethren Mutual Insurance Company

Allied Insurance    The Hartford Insurance    Builders Mutual Insurance Company    Berkly Mid Atlantic Insurance Group

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