Britton and Britton Insurance
Call Now! Austin: 512-469-0693
San Antonio: 210-493-4057
  • Home
  • About Us
    • Locations
      • San Antonio
      • Austin
    • Moving to Austin?
  • Types of Insurance
    • Auto Insurance
    • Business Insurance
    • Homeowners Insurance
    • Liability Insurance
    • Renters Insurance
    • Boat, RV, Motorcycle and Classic Car Insurance
    • Restaurant Insurance
    • Landlord Insurance
  • Blog
  • Contact Us
  • Get Your Quote
Menu back  

What is Liability Insurance Coverage?

February 16, 2021Insurance InfoBy Riley Britton

HOME

Homeowners insurance pays to repair or replace your house and personal property if they are damaged or destroyed by natural disaster or event covered by your policy. Generally speaking, homeowners policies in Texas offer the following coverages: Dwelling, Personal property, Other structures, Loss of Use, Medical payments and Homeowner’s Liability in the base policy.

Homeowners Liability Insurance: What’s Covered?

The personal liability section of your home policy can pay to defend you in court against lawsuits if you are found legally responsible for someone else’s injury or cause property damage.

Say that a visitor trips while walking into your home, severely injuring themselves and breaking an ankle. While the first step will be ensuring their safety and recovery, you may also be wondering how much all this will cost you? That is where homeowner’s liability insurance may kick in. Homeowners liability insurance protects the members of your household in the event that your negligence causes someone to become injured while on your property.

Did you know your home policy may exclude short term rental (STR) if you participate in home shares such as Airbnb or VRBO. Ask your agent to add the home share endorsement to your policy or start your quote now

Additionally if you are running a small business out of your home, any injuries that occur related to that business will not be covered. Purchasing a Business Owners Policy (BOP) can help cover injuries from on-site visitors.

 

AUTO

Car insurance does not only protect your auto  in the event that you get into an accident. It also protects you. Auto Insurance can pay to repair or replace your vehicle, or damage your vehicle causes to others and their property. Most automobile insurance policies offer the following coverage options uninsured motorist, personal injury protection, comprehensive and collision coverage, rental reimbursement, roadside assistance and auto liability.

Auto Liability Insurance: What’s Covered?

Liability insurance pays to repair or replace the other party’s car and can pay other people’s medical expenses when you are at fault in a covered accident. Liability insurance does not pay to repair or replace your car or to treat your injuries. Consider buying additional types of coverage available on your Texas auto policy such as uninsured or underinsured motorist, personal injury protection (PIP), medical payments, collision, and comprehensive – to pay for these expenses.

Most auto insurance policies state that using your vehicle “for hire” or for “business use” is not covered and will deny a claim. Britton and Britton Insurance has been offering personal auto insurance policy endorsements for transportation network company (TNC) drivers such as Lyft and Uber since 2016. Opting for this additional coverage as a driver of a TNC will provide you with the services and benefits of our auto plans. Ask us to add this endorsement to your policy or start your quote now.

 

UMBRELLA LIABILITY

In our litigious society it is worth considering excess liability protection. Umbrella insurance is designed to add an extra layer of protection to your underlying insurance policies. An umbrella policy provides “excess liability” above the limits of your base home, condo owners, auto, or recreational vehicle policies.

About the author

Riley Britton

Related posts
Texas Storms, Winter Weather and Frozen Pipes
February 22, 2021
flood house, flooded floor, man calling plumber for flood, man calling flood insurance
What is the Difference Between Water Damage and Flood Insurance?
January 20, 2021
What are Service Lines?
Are Utility Service Lines Covered by Home Insurance?
December 15, 2020
what is insurance premium
What is Insurance Premium?
November 23, 2020
What is an Insurance Deductible?
November 5, 2020
Should I Buy Insurance Online?
September 17, 2020
Recent Posts
  • Texas Storms, Winter Weather and Frozen Pipes
  • What is Liability Insurance Coverage?
  • What is the Difference Between Water Damage and Flood Insurance?
  • Are Utility Service Lines Covered by Home Insurance?
  • What is Insurance Premium?

Get Your Free Quote!

  • Britton & Britton wants to help you prepare by getting you a free online quote for your insurance. When you’re ready, talk to a Britton & Britton agent to learn how we can best keep you and yours protected.
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
Navigation:
  • Home
  • About Us
  • Types of Insurance
  • 24/7 Support
  • Blog
  • Get Your Quote
  • Locations
Contact Us in Austin
Britton and Britton Insurance
100 Congress Ave, Ste. 2000
Austin, TX 78701
512-469-0693
Contact Us In San Antonio
Britton and Britton Insurance
9901 IH 10 W#800
San Antonio, TX 78230
210-493-4057
Recent Blog Posts
  • Texas Storms, Winter Weather and Frozen Pipes

    Texas Storms, Winter Weather and Frozen Pipes

    February 22, 2021
  • What is the Difference Between Water Damage and Flood Insurance?

    What is the Difference Between Water Damage and Flood Insurance?

    January 20, 2021
  • Are Utility Service Lines Covered by Home Insurance?

    Are Utility Service Lines Covered by Home Insurance?

    December 15, 2020
  • What is Insurance Premium?

    What is Insurance Premium?

    November 23, 2020
  • What is an Insurance Deductible?

    What is an Insurance Deductible?

    November 5, 2020

trusted choice logo

Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions and conditions that can only be expressed in the policy itself. For a broader explanation of coverages, please consult one of our licensed agents. Coverages and programs vary by company. In the event of a conflict, the terms and conditions of the policy prevail.


austin seo
© Copyright 2016 | Privacy Policy | Sitemap | Google+