If someone is accidentally injured or dies on or off your property, and it is caused by you, a family member or pet, this coverage pays claims against you for legal responsibility. (Does not include automobile or business liability.)
Your policy will cover actual medical expenses for accidental injury to others (except your household residents) caused by you, family members or your pets -- on your premises or elsewhere - regardless of legal liability.
Damage to interior walls caused by rain and snow.
Scorched countertops, floors and carpets.
Ink stains or paint spills on floors, walls and carpets.
Optional Homeowners Coverages
You can add a variety of optional coverages, including:
Offered in most states for one dollar, this feature provides the extra coverage you may need to pay the actual cost to replace your home, regardless of its original cost or your policy limits. In some states, this feature costs an few dollars extra.
Valuable Items, Watercraft and Trailers
Although flood damage is not included in any standard homeowners policy, your InsuranceFirst's representative can offer you special flood insurance through one of our highly rated companies