Call/Text (631) 473-7059 ☰ ˟
Logo
Call/Text (631) 473-7059
  • Home
  • Get A Quote
    • Automobile
    • Business & Commercial
    • Commercial Auto Insurance
    • Disability Insurance
    • Flood
    • General Liability Insurance
    • HealthImage of right arrow
      • Long Term Care Insurance Quote
      • Health Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowner Flood Quote Form
    • Life
    • Long-Term Care Insurance
    • RentersImage of right arrow
      • Renters Insurance Quote
      • Renters Insurance Quote
    • Term Life Insurance
    • Watercraft & Boat
    • Workers Compensation
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
    • Other
  • Claims
    • Automobile
    • Homeowners
  • Blog
  • Make a Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Newbrook Insurance
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > 5 Situations Where You Will Be Glad You Opted For Liability
WEDNESDAY, FEBRUARY 10, 2021

5 Situations Where You Will Be Glad You Opted For Liability

                Homeowners insurance is a must for every Long Island home buyer. All reputable mortgage companies require insurance coverage for the fair value of a property (often determined by the purchase price) and will not approve a loan without proof of it. A part of homeowner’s insurance that is often overlooked is personal liability insurance, which protects you from injuries and other unfortunate accidents that may occur on your property.

                Liability insurance covers a broad range of events that you could be financially responsible for if they occur on your property or off it. It protects you from having to pay for the expenses resulting from these events and provides peace of mind that you and your family’s financial future are secure if the worst were to happen. Below, we will discuss five reasons you will be happy that you opted for liability insurance.

Medical bills and Pain and Suffering Payments for Visitors

                Liability insurance can cover both the medical bills and any legally imposed pain and suffering payments you would be responsible for if a visitor to your home was injured as a result of your negligence. Let us say you have a neighbor who comes over for coffee and falls as a result of a damaged step that you didn’t fix. If you have liability coverage, your insurance provider could very well cover both the medical expenses incurred by the victim of the accident as well as any pain and suffering award they may be awarded if they decided to take you to court.

Legal Fees and Lost Wages

Legal costs can add up if you are sued as a result of an accident in your home. Quality liability insurance can cover any legal expenses you may incur as a result, whether you are found liable or not. If the injury results in the victim missing time at work, your liability insurance could also cover those lost wages that you were responsible for.

Death Benefits

If someone were to have a fatal accident while in your home, your liability coverage would cover death benefits to the family of the victim. Where the worst to happen in your home, the last thing you want to be thinking about is where the money to pay for it will come from. Liability insurance can provide you that peace of mind.

Personal Liability Coverage Out of the Home

Liability insurance can cover a variety of events that do not occur in your home. This part of the coverage covers not only you but extends to your pets and children as well. If your dog were to bite your neighbor or your child were to damage a portion of a neighbor’s house, your liability coverage would pay for any costs resulting from those events. It can even cover events far from home, like a hotel seeking reimbursement for damage done while staying there.

Increased Coverage is Relatively Inexpensive

Many people don’t have high insurance coverage because it simply costs too much. Compared to other types of insurance, you can double or triple your coverage with a small increase in your insurance premiums. Specific rates will vary company by company, but with the number of events that liability can cover, it would be wise to have as much coverage as you can afford.

                When purchasing a home, you will have so many things to worry about. Adding a quality liability insurance policy to your homeowner’s insurance will give you the peace of mind to know that your family and those you invite to your home are covered.  Luckily all of the homeowner policies that Newbrook Insurance sells will include liability coverage.

Posted 2:16 PM

Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011

  • long island homeowners insurance(21)
  • long island flood insurance(8)
  • homeowners insurance(6)
  • homeowner tips(5)
  • ice dam(5)
  • long island auto insurance(4)
  • new york auto insurance(2)
  • new york life insurance(2)
  • long island(2)
  • mount sinai(1)
  • long island insurance impacted by corona virus(1)
  • nys paid family leave(1)
  • auto insurance(1)
  • dogs and homeowners insurance(1)
  • water shutoff(1)
  • protecting your home(1)
  • buildings(1)
  • national flood insurance program(1)
  • dwelling fire(1)
  • property insurance on homeowners insurance policy(1)
  • frequently asked questions about long island homeowners insurance(1)
  • safety(1)
  • homeowner insurance(1)
  • aarp(1)
  • stolen car insurance(1)
  • new york small business insurance(1)
  • dog bites(1)
  • working from home(1)
  • hurricane season(1)
  • contractors insurance(1)
  • vacant dwellings(1)
  • long island homeowner hurricane preparation(1)
  • hurricane sandy(1)
  • security devices(1)
  • frozen pipes(1)
  • stony brook(1)
  • new york city(1)
  • new york general liabilty(1)
  • hurricane irene(1)
  • fire damage(1)
  • safe driving tips(1)
  • long island homeowneowners(1)
  • new york workers comp insurance(1)
  • older homes insurance(1)
  • new york(1)
  • covid 19 relief(1)
  • port jefferson(1)
  • commercial insurance(1)
  • hurrican irene(1)
  • long island home jewelry(1)

View Mobile Version

Contact Us Today!
(631) 473-7059


By submitting this form and signing up for texts, you consent to receive marketing or service text messages from Newbrook Insurance Agency at the number provided. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency varies. Unsubscribe at any time by replying STOP or reply HELP for assistance. Privacy Policy & Terms
Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us
  • Privacy Policy
  •  

Contact Us

14 Roosevelt Avenue
Port Jefferson Station, NY 11776

Call/Text: (631) 473-7059 | F: (631) 473-7592 | E:info@newbrookins.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder