Do You Really Need Personal Liability Insurance? | Blog
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The Sanford Group

10150 Ball Ground Hwy,
Ste 101,
Ball Ground, GA 30107

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  P.O. Box 374
Ball Ground, GA 30107

The Sanford Group Insurance Blog

Do You Really Need Personal Liability Insurance?

You may think that personal liability insurance isn’t something you need. However, many individuals can benefit from a personal liability policy in today’s world. At The Sanford Group in Ball Ground, GA, we offer personal liability policies to help you protect your assets. 

What is Personal Liability Insurance? 

Personal liability insurance covers your costs if you are sued due to an accident or negligence. If someone falls on your property, they have the right to sue you for their injuries. 

A judgment against you can be very costly. A personal liability policy protects you in this situation. It will cover any judgment against you up to the coverage limit. 

Types of Personal Liability Insurance 

Personal liability insurance is typically included in insurance policies. If you have homeowner, car, or watercraft insurance, you have personal liability coverage. 

The other type of personal liability coverage is an umbrella policy. If you are liable for an amount that exceeds your primary policy coverage limit, an umbrella policy covers the remainder. It also covers situations not included in your primary policy. 

Who Needs Personal Liability Insurance? 

Most adults need some type of personal liability insurance. If you have a home, car, or watercraft, you’ll need personal liability insurance as part of your insurance policy.

You may need extra personal liability coverage if you have this type of insurance. If you have more than 100,000 in assets, it’s a great idea to have an additional personal liability policy.

What if you don’t have expensive assets? You may still need personal liability insurance. If a judgment is made against you, they can seize any assets you own. 

They can also garnish your wages or take any assets you accumulate in the future. So, you are not just protecting your current financial status. You are also protecting your future. 

Personal Liability Insurance with The Sanford Group

If you need a personal liability policy in Ball Ground, GA, contact us at The Sanford Group. We offer many types of insurance policies to meet all of your insurance needs.

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