Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

You can claim your condo insurance in case of a covered risk. Different condo insurance policies cover different risks. As the policyholder, you need to know the kind of risks that your condo insurance policy covers. Get the help of an insurance agency such as Vargas & Vargas Insurance in Dorchester, MA to find the best condo insurance for your needs.

If You Lose Your Personal Possessions

You can claim your condo insurance if you lose personal belongings such as furniture, electronics, clothing, or jewelry in your condo as a result of covered perils such as theft or fires.

If You Incur Additional Living Expenses

If your condo is damaged by covered risks, it may become unsuitable for you to live in. You can claim your additional living expenses coverage to pay for the unplanned costs of living such as hotel bills. The policy can offer you compensation for the period it takes to repair your condo.

If You are Liable For Property Damage or Personal Injury

You can claim your condo insurance if a visitor gets injured in your condo. If, for example, a guest trips and falls down your stairs, you can make a claim to pay for their medical costs. You just need to be sure that the fall is accidental. If they choose to sue you, you can make a claim to pay for the legal charges. You may also file for a claim if you lose or destroy the property of a visitor in your condo unit.

If There is Damage to Structures of Your Condo

You can file for a claim if insured risks cause damage to your condo units. The risks could include fires or vandalism.

Contact Vargas & Vargas Insurance in Dorchester, MA for your home insurance needs. Our agents can help you get started.