The Basics of Liability Insurance

Liability coverage is one of the most important parts of your insurance policy. It protects you when accidents happen. If you are legally responsible for injuries or property damage, liability coverage pays. Without it, you could face lawsuits and financial ruin. Many people underestimate how quickly costs add up after an accident.

What Liability Coverage Includes

Auto liability pays for injuries or property damage you cause in a car accident. Home liability protects you if someone gets hurt on your property. It can also help with damage you accidentally cause to another person’s property. In both cases, your coverage prevents you from paying these expenses out of pocket.

Why Limits Matter

Each policy sets a liability limit. This limit is the maximum your insurer will pay. Medical bills, legal fees, and damages can exceed minimum limits fast. At O’Quinn Insurance, we recommend at least $300,000 in liability coverage. Higher limits provide greater protection and peace of mind.

Examples of Liability Risks

You host a party and a guest trips on your porch. Your dog bites a visitor. You cause a serious car accident. These everyday events could trigger a claim. With strong liability coverage, your insurance steps in. Without it, your savings and assets are at risk.

Umbrella Policies Add Protection

Umbrella insurance adds another layer of liability protection. It increases your coverage above your auto or home policy. This extra protection is often affordable compared to the risks it covers.

Take Action Today

Liability coverage is not a place to cut corners. The right limits protect your family, assets, and future. Review your policies now. Make sure you carry at least $300,000 in liability protection. Consider an umbrella policy for even more security.

Want to review your liability limits? Call O’Quinn Insurance at 386-200-9534 or request a free quote today.