Please note the following:
Your coverage and limits are listed and described in your policy. You should not construe any of this material as altering or expanding your coverage. This is not a contract. Coverage and policy language can vary by state.
What is the claims process? The claims handling process can vary depending on the type of loss. Your claim representative will help you through the process by:
Explaining your coverage, limits and deductibles that apply to the loss
Arranging for inspection of damaged property and estimate of repair
Overseeing the repair or reimbursement of covered items
What should I do if someone is injured at my house?
Promptly report the claim to your agent or directly to us
Obtain names and addresses of any witnesses
If possible, don't voluntarily make payments, assume obligations or incur expenses, except for emergency first aid at the time of the bodily injury
Should any party allege that you or any insured under your policy is responsible for bodily injury or property damage, we will conduct an investigation to assess those allegations
Subject to the terms and conditions of your policy, we will adjust those claims in which you may be legally liable
What is Liability coverage?
Liability coverage pays for loss as a result of bodily injury and property damage caused by an occurrence. For example, if your dog bites someone or someone falls and is injured on your property this coverage may pay for their damages. We will investigate to determine if your negligence contributed to their bodily injury or property damage. Subject to the terms and conditions of your policy, we will adjust those claims in which you may be legally liable.
This coverage does not respond to damage to your own property or injury to an insured or a member of your family living in the same household. The amounts paid to another party are subject to your policy limits.
What is Medical Payments coverage?
Under the homeowners policy, it provides protection for your guests who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault up to the limit provided under the policy.