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Homeowners insurance and personal liability coverage

Mosaic Insurance can help protect you and your Prescott home with personal liability coverage.Mosaic Insurance can help protect you and your Prescott home with personal liability coverage.Personal liability coverage is an important component of a homeowners insurance policy. Mosaic Insurance would like to offer you some priorities to consider when purchasing homeowners insurance and personal liability coverage in Prescott.

Few people expect to be held liable after an accident at their home. But an adequate policy for home and personal liability coverage may help prevent you from paying out of pocket should an unexpected event occur. Here are some examples of the ways in which the personal a homeowners insurance policy with personal liability coverage may help protect you:

Medical Bills. Liability coverage may help pay for medical bills that result from an injury to a guest at your home. Even if that person has health benefits, you could be held responsible for expenses if it's determined that the injury occurred as a result of your negligence. For example, you may have failed to fix a broken porch step or railing.

Pain and Suffering. Beyond the possibility of medical bills, you could be held responsible for any pain and suffering endured by a person who is injured in your home. If you're found legally responsible, liability coverage may help pay for the cost of a settlement.

Wages. If someone who was injured while on your property is unable to return to work because of the injury, you may be found legally liable for the wages they lose as a result. Liability coverage may help to cover a settlement.

Legal Costs. If you're sued following an accident in your home, you may need a lawyer. Liability coverage may help cover your legal expenses, whether or not you are found to be responsible.

A good homeowners insurance policy will include adequate personal liability coverage. Mosaic Insurance wants to make sure you are protected under your homeowners and personal liability coverage in Prescott. For a homeowners insurance review and to make sure you are fully protected, call Mosaic Insurance today at 928-458-7374.

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