What is comprehensive coverage in home policies?
Comprehensive coverage provides protection against loss from special perils. It also insures personal property, dwellings, and other structures. HO-5 is the only homeowner’s policy that that provides protection against mysterious disappearance. Usually, comprehensive insurance cover all the risks unless specifically excluded by policy such as flood, earthquakes etc.
Comprehensive personal liability insurance
Personal liability insurance protects those individuals from any accidents that occur on their personal property. Those accidents can include things like dog bite to an individual, slip and fall through wet floor, and injuries within backyard while playing or swimming pools. This coverage may help on paying medical bills for the injured person, lost wages or any other associated legal expenses that arises out of injury.