personal liability coverage

You’re the kind of person who researches your purchases — that includes your home insurance. You want to make sure you’re getting the best value for your money, and to know all the ins and outs of what you’re buying. 

When you buy home insurance from Westfield, your policy always includes personal liability coverage — no matter the product you choose. It’s just part of what we provide. 

Why does this matter? After all, you’re buying home insurance to protect your house and your belongings. But personal liability coverage gives you extra protection in case of non-automobile related negligence that results in someone getting hurt or suffering property damage.

How Liability Coverage Works.  For example, if: 

• Someone has a slip-and-fall on your property
• Your dog bites someone
• You strike someone with a golf ball while golfing
• Someone is injured in your swimming pool or 
• Your child accidentally causes damage to a neighbor’s property

Then:

• Up to your liability coverage limit, your Westfield homeowners policy will pay to reimburse the person for any injury or property damages which arise as a result of negligence
• Your Westfield homeowners policy also covers your legal costs incurred in defending any lawsuit based upon negligence

However, it’s important to know that personal liability coverage only kicks in for accidents. It won’t cover you if injuries or property damage result from an intentional action, such as throwing a rock through your neighbor’s window because you’re angry over a property line dispute.

Discover More Coverage Options

At Westfield, personal liability coverage is always part of your home insurance. There are additional coverages you might want to consider adding for extra protection, like:

• Umbrella Insurance 
• Flood Insurance 
• Equipment Breakdown Coverage

Connect with a Westfield Agent

An independent Westfield agent is your first stop toward getting more information — or buying a policy. Our agents can help you with a quote and will be there to answer your questions about your policy or coverages. This is just the start of your relationship with your agent and with Westfield — and we know it will be a fruitful one.

Use our convenient online tool to find an agent near you.

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