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Q: Can homeowners insurance really cover me for things that happen outside my house?

A:

Yes. Homeowners or property insurance is invaluable because you would be liable not only for damage to your property but also for injuries you, your family or pets may cause others on—or even off—your property. Homeowners insurance covers the cost of damage to the interior or exterior of your home, any personal belongings that are harmed in an insured disaster and personal liability for any damage or injuries caused by you, a family member or pet. So if your child shatters a neighbor’s valuable sculpture, you can file a claim to reimburse the neighbor—even if the accident did not occur on your property. Life is full of accidents and mishaps and homeowners insurance is your best guarantee against this unavoidable cost.

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