Jesse Trevino Ins

company address:
5835 Callaghan Rd Suite 320
San Antonio, TX 78228

Ph: 210-521-8803
Fx: 210-521-8854

Home Owners’ Insurance and Excess Liability

Most home owners’ insurance policies contain a basic level of liability coverage for the home owner, to cover the event that someone is injured on their property. If you have significant assets to protect you might want to consider increasing the amount you’re covered for. You can do this by taking out a separate Umbrella policy, sometimes called an Excess Liability policy.

In addition to increasing the amount of liability coverage you have, this type of policy covers a broader range of incidents – including invasion of privacy, slander and libel. It might be difficult to see any of these things posing a problem but in this litigious age, it can be easy to find yourself in trouble and the more assets you have, the more someone stands to gain if they sue you.

So just how could you get yourself into trouble with slander, libel or invading someone’s privacy? Slander and libel are forms of “defaming” someone by making a false statement about them. If you do this verbally, it’s called slander and if you do it in a more permanent form such as a newspaper, it’s called libel. Invading someone’s privacy is almost impossible to define. It can take many forms and due to changing technology, the law continues to evolve in this area.

If you think you may need additional liability coverage, contact us to discuss your particular requirements and obtain a free quote.