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Personal liability coverage: ... HO-8 policies: The HO-8 home insurance policy is designed specifically for historic homes or older ones that are more challenging to replace. This may be because ...
Liability protection: A standard homeowners insurance policy comes with liability protection, as well. If someone gets hurt while on your property or your negligence causes bodily harm or damage ...
An umbrella policy is a form of personal liability insurance that is designed to extend the standard coverage provided by ... The liability coverage in homeowners policies often excludes personal ...
Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers damage to one's property and liability for any injuries and property damage caused by the owner or members of ...
The personal liability coverage on your home insurance policy may cover costs if you are sued or held legally liable for another person’s injuries or property damage. Liability claims may include:
Excess insurance is similar to umbrella insurance in that it pays after an underlying primary policy is exhausted. The critical difference is that excess policies are normally "follow form" policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy's limit.
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