Car

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Building

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Household

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Accident

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Legal aid/counsel

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Liability

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

3. Pet Liability Insurance

  • Covers damages or injuries your pet causes to others.
  • Example: Your dog bites a neighbor, or your cat damages someone's property.

4. Umbrella Liability Insurance

  • Provides additional coverage beyond the limits of your home or auto insurance policies.
  • Example: You are sued for a significant amount after an accident, and your auto insurance doesn't fully cover it.

5. Professional Liability Insurance (Errors & Omissions)

  • Covers claims made against you for errors or omissions in your professional work.
  • Example: A client sues you for negligence or mistakes in your work, resulting in financial loss.

6. Product Liability Insurance

  • Covers damages or injuries caused by a product you manufacture or sell.
  • Example: A product you sell causes injury to a customer, and they sue you for damages.

7. Landlord Liability Insurance

  • Covers liabilities associated with renting out property.
  • Example: A tenant or visitor is injured on your rental property due to a hazard you failed to address.

8. Tenant Liability Insurance

  • Covers damage to the rented property or injuries to others caused by the tenant.
  • Example: A fire starts in your apartment and spreads to other units, causing damage.

9. Watercraft Liability Insurance

  • Covers damage or injuries caused by your boat or other watercraft.
  • Example: You accidentally collide with another boat, causing injury to the other boat’s occupants.

10. Bicycle Liability Insurance

  • Covers damage or injuries caused by your bicycle.
  • Example: You accidentally run into a pedestrian while cycling, causing injury.

11. Cyber Liability Insurance

  • Covers liabilities related to data breaches or cyber attacks.
  • Example: A data breach occurs at your business, and customers’ personal information is compromised.

12. Personal Injury Liability Insurance

  • Covers claims for personal injuries like defamation, slander, or invasion of privacy.
  • Example: Someone sues you for making false statements that harm their reputation.

13. Liquor Liability Insurance

  • Covers liabilities associated with serving alcohol, particularly in businesses.
  • Example: A patron becomes intoxicated at your bar and causes an accident afterward, and you are held responsible.

Travel

List of things that are insured:

1. Travel Medical Insurance

  • Coverage: Non-emergency medical care abroad.
  • Why It’s Essential: Ensures you can receive medical treatment for non-emergency conditions, such as illnesses or minor injuries, while traveling without facing huge out-of-pocket expenses.

2. Luggage and Personal Effects Insurance

  • Coverage: Loss, theft, or damage of luggage and personal belongings.
  • Why It’s Essential: Protects your belongings during your trip, ensuring that you can be reimbursed for lost or damaged items, which can be costly and disruptive to your travel plans.

3. Trip Interruption/Cancellation Insurance

  • Coverage: Costs related to trip interruption or cancellation due to non-emergency medical issues.
  • Why It’s Essential: Provides financial protection if you need to cancel or cut short your trip due to a non-emergency health condition, helping you recover costs for unused portions of your trip.

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