This coverage covers the insured against liability claims that were filed by a third party person due to bodily injury. This would settle the lawful obligation of the insured and its obligation to pay for the injury of the third party person. However, coverage would only be applicable up to the insureds liability coverage limits. For further illustration, considering that the insured invited a guest to their house because they are hosting a party. One of the insured’s guests accidentally slips on the wet floor in their kitchen and caused the guest a dislocated kneecap. The mother of the guest files a legal claim against the insured. Moreover, she even demands the insured to pay for the cost of treatment of the injured guest. This type of bodily injury liability of the insured would be covered but with specific limits.
This coverage covers the liability of the insured to a third party person if the insured is held legally liable for someone’s property damages. For further illustration, suppose that the family of the insured went to a park. The son of the insured throws a ball and hits the window of the house near the park. The owner of the house demands for the replacement of the window. Insurance providers could give payment for this kind of liability of the insured.
Covered Cause Of Damages
- Volcanic eruptions
- Damages due to the weight of ice
- Accidental discharge or overflow of plumbing or air conditioning