Homeowners Liability in Worcester, Cooperstown, Binghamton, and Cobleskill NY

Protect Yourself, Your Home, and Your Finances.

Homeowners insurance helps provide financial protection against liability claims and property damage. Understanding the components of your policy and what each part covers is essential as you make decisions about which coverages may best meet your needs.  

At The Bob Putnam Agency in Worchester, NY, our agents are ready to help you decide which coverages work best for your situation. Call 607-397-1999 to get a homeowners insurance policy today.  

What Is Homeowners Liability Insurance? 
Your homeowners insurance policy includes liability protection:  

Liability to others: This portion of your homeowners policy may cover you against lawsuits for property damage or injuries accidentally caused by you or your family members. It may help pay for court awards and the costs of litigation up to your policy limits and covers you even if you are away from home.   

Medical payments: If a guest in your home is injured, medical payments can help pay medical bills if they require treatment. Medical expenses are paid to the injured person, and there’s no need for a liability claim against you.  

Your agent may recommend that you purchase additional liability protection in the form of higher policy limits or an umbrella insurance policy, as well.  

Learn More About Your Homeowners Liability Insurance Options 
The Bob Putnam Agency agents can help you learn more about how homeowners liability coverage can help protect you financially in the event of an accident. To get a quote or receive recommendations based on your unique situation, give The Bob Putnam Agency a call.