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Homeowner’s Liability Insurance

from Lamplighter Insurance

by Ryan Sussman on Dec 23, 2014

The liability section of your Homeowner’s Insurance Policy protects you from Bodily Injury and/or Property Damage to others in the event that you are legally responsible for the damage.  However, there are several key factors within policies that you should pay close attention.  Several carriers have filed and been approved to exclude certain hazards.

Contact Lamplighter Insurance for a FREE – No Obligation Evaluation of your current Insurance

Lamplighter Insurance Columbia Office:

803-451-0076 or email us at

Examples of exclusions we have seen:

  1. Animal Liability – Best known for dog-bite accidents or exotic pets

  2. Personal Liability – Prime examples being libel and slander suits from internet-related chatter

  3. Professional Liability – Liability arising out of offering a professional service

  4. Business Pursuits – At-home businesses = anything from selling cookies, babysitting, or computer work

It is important that you have discussions with your agent about your life and tailor your insurance policy to meet your needs.  There are plenty of supplemental coverages available to assure that you do not find yourself without coverage in your time of need.

Contact our office to schedule an appointment:

Lamplighter Insurance

4700 Forest Drive Suite 202A

Columbia, SC 29206

(803) 451-0076

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