Another important facet to have in your total homeowners insurance policy is liability coverage that will cover you in the event of a suit being filed for injury or property damage that you or your pets may cause to others and their belongings. Liability coverage will cover your legal fees and medical bills others incur because of being injured on your property.
The liability portion of your homeowners insurance policy will also include no-fault medical coverage so that if someone is injured in your residence, they can easily submit medical bills to your insurance company. The typical amount of no-fault medical coverage range from $1,000 to $5,000 total. But remember this coverage will not pay the medical bills for your family or your pet.