If you are sued in connection to an auto collision, you should look to your auto liability insurance policy for coverage. For other lawsuits, you may have coverage under your homeowners or renters insurance policy. The Insurance Information Institute says liability limits under a standard homeowners insurance policy usually start at around $100,000 and cover lawsuits for bodily injury or property damage that you, your family members, or your pets cause to other people. Many people also purchase an umbrella policy for additional liability protection. We frequently see personal umbrella policies purchased at the same time someone acquires a pool, a trampoline, or a dog of a breed with higher liability exposure — all reasonable triggers to revisit your limits.

Homeowners insurance does NOT cover flood damage. You can secure flood coverage through the National Flood Insurance Program or a private insurance company. Other common exclusions include earthquakes, pests, and wear-and-tear damage.

This one is tricky. If you lend your car to someone and that person is involved in an accident, your insurance policy can respond to the claim. However, the insurers of the two drivers involved in the accident may also respond. Each policy’s terms, the details of the accident and who is at fault may all factor into how each insurer responds to the claim.

Yes, but they introduce unique risks. You are still responsible for workers' compensation if a remote employee is injured while executing work-related duties at home. Furthermore, home networks are generally less secure, heavily increasing your need for Cyber Liability Insurance to cover data breaches.

In many states, landlords can require tenants to carry renters insurance, as long as the lease mentions the requirement. For example, some states say landlords can require tenants to carry renters insurance. Although they cannot require tenants to name them as an additional insured on the policy.

Most standard accident-and-illness plans cover unexpected injuries (like broken bones or swallowed objects) and illnesses (like cancer, infections, and allergies). Many providers cover inherited conditions like hip dysplasia or heart disease, though some place age limits or exclusions on older pets.