Liability coverage in your homeowner's insurance policy covers you in case of a lawsuit against you or your family members for bodily injury or property damage. For example, if your pet destroys a neighbor's personal property you are most likely covered. Liability coverage also provides no-fault medical coverage if a guest in your home is injured.
If you are unable to live in your home due to an insured disaster, your additional living expenses coverage will cover meals and other living expenses incurred while your home is being repaired. Coverage for additional living expenses will differ from company to company.
Your insurance agent is the best person to contact to answer questions about this or anything else related to your homeowner's insurance, whether your home is in the Santa Clarita area or elsewhere.
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