The Pivotal Insurance Agency LLC

217 West Main Street,
Louisa, VA 23093

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Will Home Insurance Cover Any Accident on the Covered Property?

It’s very important to understand all aspects of any type of Louisa VA insurance policy. If you don’t understand the fine print, there’s a good chance you’ll end up surprised once you go to file a claim. Understanding the details of your coverage is also of the utmost value because it informs you of the many policy benefits you can take advantage of.

A lot of people have insurance but don’t ever take full advantage of what their policies have to offer. Contact The Pivotal Insurance Agency LLC if you’re wondering whether your home insurance in Louisa, VA will cover any accidents on the property.

What Does Home Insurance Commonly Cover?

You never know what type of accident could occur on your property. From guests stealing your personal belongings to someone falling down your front steps, accidents come in many forms. Even for people who have their homes paid for, home insurance proves valuable. Imagine someone slipping down your front steps and then suing you for an accidental injury. If you don’t have insurance or money to cover their medical bills, you may end up losing your home. Home insurance aims to relieve and cover your liability in such situations. 

Examples of Specific At-Home Injuries Insurance Commonly Covers

Please keep in mind that insurance policies vary greatly from one to the next. You should always read the fine print to discover which types of injuries your insurance covers. Some of the most common injuries for which people file home insurance claims include those caused by:

  • Toxic chemical exposure
  • Falling down stairs
  • Driveway accidents
  • Electrical accidents
  • Fire
  • Tripping over objects in walkways
  • Animal bites
  • Falling due to broken railings or stairs
  • Assaults and batteries caused by negligence

Reach Out To Us

If you own a home in Louisa, VA, contact The Pivotal Insurance Agency LLC today to learn about your home insurance options. We can explain the ins and outs of policies to ensure you pick one that best meets your needs.