Products underwritten by Nationwide Mutual Insurance Company and affiliates. Discounts may not be applied to all policy coverages. Such terms and availability may vary by state and exclusions may apply. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. ![]() to determine the right amount of coverage to keep you protected today. Talk with a representative from Diamond Insurance Group, Inc. Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. This coverage works to help protect you in a variety of situations, including:Ĭlaims for injury to others (either on or off the premises) For serious injuries, you may be responsible for paying large medical bills. With a liability protection as part of a Homeowner’s policy from Diamond Insurance Group, Inc., you can protect your finances in the event of a visitor’s accident. If someone were to claim an injury on your property, as the property owner, you could be held financially responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice. PROTECT YOURSELF, YOUR HOME, AND YOUR FINANCES.Īccidents can happen, even at home. If you have questions, please call Consumer Services at 80 or your insurance provider.Homeowners Liability in Sherman, TX and Denison, TX An important feature of this coverage is that payment is made regardless of legal liability. ![]() ![]() Also covers per accident for injuries occurring on your premises to persons other than an insured, or elsewhere, if caused by you, a member of your family, or your pets. Medical Expense - Covers medical expenses, limited to a specific amount per person.With a few exceptions, such as auto or boating accidents, it is an all-purpose liability policy, which follows you wherever you go. This coverage protects you against claims arising from accidents to others on property that you own or rent. Comprehensive Personal Liability - Covers personal liability.This means that the policy covers the necessary living expenses up to the stated limit, incurred by the insured, to continue as nearly as possible the normal standard of living when the house cannot be occupied due to a covered loss. Additional Living Expenses - Covers additional living expenses when incurred.See section on extras for personal property that may need added coverage. Personal property includes household contents and other personal belongings used, owned, or worn by you and your family. ![]() Personal Property - Covers damage to or loss of personal property.Other Structures - Covers damage to other structures or buildings, such as a detached garage, work shed, or fencing.The face amount of the policy (for example, $100,000) is the most you will receive if your house is totally destroyed. Damage to House - Covers damage to the house.The following are examples of the types of coverage that are usually listed in your insurance policy.
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