Protects You from Lawsuits
Every time Karen's parents, Bill and Bernice -- or anyone else over the age of 65 -- walks up the driveway, especially in the icy winter, I make sure that my dogs don't knock them down. I also make sure Bill and Bernice don't slip on a rock, a patch of ice, a twig, an ant or an imaginary line on the gravel. For one thing, I don't want to see them hurt. I also don't want to be sued for any injury they, or anyone else, might have. Yet, if something does happen, my insurance company promises they'll support me.
Let's hope I never have to find out.
A typical homeowner's policy protects against a lawsuit if someone is injured while on your property. If your dog bites someone, your insurance will probably cover you. While most policies provide up to $100,000 in limited liability insurance, you can purchase additional protection. Liability coverage pays the injured person's medical bills and damages to property. Insurance will also pay an attorney to help defend you in a court case [source: Keefer].